I have three right now that its time to get rid of as they do not fit our model nor do I want to take the time to continue to manage these (even with a PM).

And it's a rather low bar to get over for anyone wanting to continue to wholesale. 

I continued paying what I had paid before, with the additional money purely going to principal.The recast to a lower amount was purely to reduce my committed monthly payment to a point that I could get my property to cash flow if I had to move out (job loss, etc).

Most states require 27+ days of continuous stay before they are considered a tenant and not a guest.

So well within the 30 day trial period.However, they continue to bill my credit card for the service in spite of the confirmed cancellation.Has anyone else had any issues like this with them?

You can do this without bankruptcy and if you continue those new habits you can move on to buying an investment.

Over the past decade, the birth rate has dropped from 8.354 in 2015 to 7.016 in 2025, reflecting a continuous decline. https://www.macrotrends.net/global-metrics/countries/ITA/ita...4. 

If that continues then I'm definitely out ( and we will see).

We have 10,000 boomers leaving the workforce each day, and this will continue for years.

Plus there's sports there to continue to boost the area.