Hi guysI have a handyman who is super knowledgeable and he is very comfortable connecting the 220 wires for a mini split and also for a hot tub. im getting extremely high quotes for a certified electrician to do it. what are your thoughts?

Thinking about stepping outside my comfort zone and maybe doing out of state investing. 

Your question about LLCs is something many investors wrestle with, and the answer really depends on your long-term goals and how much risk you're comfortable taking on.For smaller portfolios like yours, setting up separate LLCs for each property can provide additional liability protection, but it also comes with added complexity and costs.

I guess that's their comfort zone.As I mentioned last night, experience in this thread has shown that more smaller payments produces less benefit than fewer larger payments.

If you’re comfortable with it, you could ask to extend the term beyond five years or potentially even adjust the interest rate for a longer payoff.

For awhile it seemed like only SLS and Pennymac were buying loans and I got comfortable with their platforms but now I’ve got Lakeview, Mr.Cooper, Flagstar in the mix all with different systems. 

I spent my entire summer doing maintenance and ensuring comfortability.

That is the truth Nate, boy, I'd be exactly where I wanted to be, but I am definitely one that believes it's never to late, so I'm starting now to get ready for the next 20 years so I can retire comfortably.

I'd consider doing some kind of cash out refi on the property at a number you're both comfortable pulling out, while still leaving $ for reserves to maintain the STR you currently have.

It will all depend what you feel comfortable in terms of budgeting and the type of repairs needed.