So, first off, hi, I'm darwin, and I don't post or follow on this forum much, because it gets my blood pressure up. 

Dealing with those that received lump sums from any source is an indication they lack the ability to save, the skin in the game carries less weight than if it had been saved over time, with the blood, sweat and tears.

Eddie, we're blood brothers and didn't even know it.

Cost benefit analysis to me looks something like this:Don't pay rewards and costs: Reward: Reinvest the $3,600 into your firms best available project ROICost: Bad blood with the agent and bad reputation with anyone who he has influence with???

On my father's side, I have a lot of Scandanavian blood, folks who discovered America long before Columbus.

@Doug Pretorius In the interest of full disclosure, I should tell you that I have Canadian blood too.My Dad's father and his people came here through Antigonish, NS. 

Normally, I wouldn't allow it, but I'm curious to see how fast the blood starts to spill!

My blood may be boiling but I'm not out any money!

-Arlen Lol...ok I'm newer...but I've heard of refinancing...thought you had come up with some new way to get leads or something...lol.When you refinance, what percentage of your property can you go up to....several here say no more than 70% LTV but I've read there are some 80% LTV loans out there (maybe more)  and I feel that 80% would be a real sweet spot, harvest the equity -tax free :), stay away from PMI,  We started building models on 80%, but then I started reading that some never counted on more than 70% so we stopped that model...make my day Arlen and tell me you've been getting 80%+ with a low rate on 20-30yrs with a small refi fee....you don't have to tell me the bank but please tell me they are out there....if they are I'm having a beer tonight with my supper and will owe you one when we finally meet, just for lowering my blood pressure... cause those models looked way better for us than the 70% models looked.And that picture doesn't make you look a day older than 29 ;)

My dad advises me not to rent to colored people because he says the property value will drop, it will alienate the neighbors, homeboys will take over the property, etc.This really makes my blood boil because he has never been a landlord and his advice seems highly unprofessional.