Perhaps popcorn texture is common/popular in your area, but in many areas, it's actually considered out-of-date and undesirable, and you may be adding some value by getting rid of it and repainting the ceiling.Just a thought...like I said, I don't know your area, so I could be way off base...

We view real estate as a way to possibly get out of the daily rat race and enhance our retirement so that when we retire in about 20yrs we will be set.

Unless you talk about 2% addon for 15y additional term, the shorter loan deprives you of a cheap option to finance at historically low rates.You take loan either to afford more property ot to enhance returns.If investment has higher irr than the mortgage rate, take the longer loan.

And you in the peanut gallery- I know, there are interest-only mortgages, but most investors don't use them.)So in summary, and apologies for the extremely long post, I just got rolling and couldn't help myself, real estate enhances the best in investors by inhibiting panic selling during kerfuffles of one sort or another, and suppresses the worst in us, which is our unwillingness to save money on a regular basis.

In the process, you become a nomad, moving from house to house every year, but leaving a growing rental empire in your wake.And during each year, you can dump the money which you save by legally avoiding excessive down payments and high investor interest rates, into rent-enhancing improvements to your current primary residence.Request to other BP Members : Please correct me if I am overstating the legality of using the Nomad Strategy in Central Florida.  

Ignoring one to enhance the other is not intelligent investing.

Unless it enhances your property or adds value I would not do it.

This is how I sell it -- Most understand and appreciate the process:- $35 fee for each adult >18 years payable directly to Transunion Smart Move (not me)- Fee is mandatory and all of my tenants have gone through the screening process- I want all of my tenants to feel comfortable with their fellow tenants - As a female (or as a husband), I'm confident you will appreciate these measures to enhance the safety and comfort of your loved ones against those who may have a violent or sexual assault history

Please share if you've heard anything from your lender.Freddie Mac Announces Enhanced Relief for Borrowers Impacted by COVID-19MCLEAN, Va., March 18, 2020 (GLOBE NEWSWIRE) -- Freddie Mac (OTCQB: FMCC) today announced it is taking numerous actions to protect those affected, either directly or indirectly, by the novel coronavirus, known as COVID-19.

They are revenue enhancement techniques for the cities but sometimes they are enforced with fines or restrictions on monetary judgments if you ever have to go to court to evict a tenant.