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.

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!

Here are a few suggestions on how you can maximize the wealth of information available: Check out the blogs and podcasts, or take advantage of the search feature (magnifying glass).

So paying the $2 extra for the juice, but being able to portion it out in cocktails that you can charge much more for... 

This is from the BP rental calculator and is exactly what I'm wanting to see, just with extra payments each month. 

Seems like a lot of the negative comments and reviews are related to bookings, advertising, extra fees, etc.

-Have an extra umbrella policy-Speak with my real estate attorney to make sure I did enough to limit my liability.