Delta has not charged me extra for the new block.

You can make more through co-living in most markets, but still likely to be better off house hacking 1 / year and then buy out of state with your extra cash.If you want to chat strategy with someone - feel free to PM me or reach out to contact info in my bio!

But I would charge the extra 3% to cover my costs.

.: I think you made a mistake.Yes, you get extra money.

But if you want to use a conservative approach and use the extra cash flow to pay off debt versus further investing, I think that's a very legitimate way to go about it.

If it’s a must-have, it might be worth the extra time in your schedule.

We have aroun d420 units , and about 200 owners, we are coming off software developed in house, which made it hard to choose because our inhouse software had everything we wanted and nothing extra.

At this stage you're probably better off investing that extra money into your primary business activity.What part of CA are you in?

There is no additional "risk" on the note like a demand clause etc, but you have  extra expense in upfront one time costs and the pre-payment penalty that most programs are sold with if rates do drop as expected in the future.  

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!