Now, because you choose to avail yourself to conforming loan products and their lower rates you can't sit belly to belly with your banker and change terms on the fly.

A) It's not exactly what he said orB) It's BSThe big guys 25+ years are still all quite fat and happy with a ton of debt and units.I'm not doubting Dave at all, since about 80% of people mis-handle debt and a cash-only budget is what they need.However, if you understand the power of using OPM money (ie you borrow o$1 at x% and get a return on it >>x%) it is a major tool in growth.Now if you're 60 and unwinding, I understand. 

Everyone should boycott them anyway, based on fat content.

I know if I hired one to take care of a property, there would be a fat bonus at the end of the year if there were no problems and I was making money because of their good management.

I really wish that you can maybe replace their A/C to a new one but you have a big fat wall in front of you.

You don’t ask the fat guy for fitness advice and you don’t ask the ford salesman for Chevy advice.

Plumbers say it has been a long standing issue based on their assessment - there is a very large belly in the plumbing and two separate plumbers say there is no way (in their opinion), that the prior owners could not have known/had issues before.This was not disclosed.

They accepted our lower offer which gives us a pretty fat buffer.

I mean, what if they belly up? 

Building passive income while learning the RE ropes and earning a fat paycheck as an EE is an awesome plan for financial success.