But be careful expecting to refinance.

This active income can help me fund my retirement as well as help me get reimbursement for home office and health care premium while lower my tax liability.

I currently have a lawn care business that I run myself.   

However, you must take care of the reason why it's happening.  9 times out of 10, it's a leaky pipe behind the wall or a humidity issue.

However, it's a deal in a different state and during the Facetime showing, I could tell the tenants were gross and makes me think they don't care about taking care of the place or their living conditions.

Some will actually charge you to use your own unit, so be careful.

so those owners are pretty comfortable - no mortgage payment - and they don't need to sell, and they don't care where an investor "needs" the price to be to make money. 

So just to clarify, your job doesn't care what your graduate degree is, but you have to have it get promoted?

I'm lucky to have a motivated client/investor that wants to work with me, and I feel a tremendous amount of responsibility to take care of that trust and investment.

I don't care if I'm ahead or behind of anyone else because my goals are not relative to anyone else's progress.I get your point that staying active keeps your skills sharp and that if you're active when others aren't you will have access to opportunities that they do not.