Prepayment penalties can be used to insure against an early payoff.The times I’ve used this technique to create high yielding note I enhanced the return by being able to sell the property above the price I paid.  

The education and health services sector alone added 23,800 jobs in the past year, reflecting a significant expansion in these industries, particularly in healthcare and social assistance​.Proximity to Major Employment Centers: Greater Heights offers convenient access to key employment hubs such as downtown Houston and the Galleria area, which are major attractors for residents due to the short commute and abundant job opportunities​.Education: Nearby institutions like University of Houston and Rice University contribute to the area's appeal.Infrastructure Projects: Ongoing developments like the East Blocks Redevelopment and BioHub II at Generation Park enhance local amenities and attractiveness.Investment InsightsGreater Heights Rental Market Trends:Single-Family House Rentals:Median Rent: $1,350 for 1 bedroom, $2,695 for 2 bedrooms, $3,250 for 3 bedrooms, and $6,100 for 4+ bedrooms​​.Stability in rent prices with modest YoY increases: 2 bedroom rents increased by $195, and 3 bedroom rents by $250​​.Median Sold Price YoY ComparisonApartment Rentals:1 bedroom apartments saw a YoY increase of $305, 2 bedroom apartments by $667, indicating strong demand for these unit types​​.Available Rentals:High availability of both house and apartment rentals, indicating a robust market that can support new rental investments​​.Sales Market Trends:Median Sale Prices:Significant appreciation in home values, particularly in 1-bedroom homes, which saw a 190.7% increase from $215K to $625K​​.Other bedroom counts also showed positive appreciation, e.g., 2 bedrooms (5.3%), 3 bedrooms (6.5%), 4 bedrooms (17.4%)​​.Market Activity:Increased number of homes for sale and sold, suggesting a dynamic and active real estate market.

Angela, refinancing your property at the current lower rate (Today's 15yr fixed purchase rate: 6.8% APR) can fund a down payment for another property, enhancing your portfolio. 

This will allow you to indefinitely defer the depreciation recapture of the enhanced depreciation and the tax on gain from the sale. 

American Airlines: 650 employeesJanuary 2024 saw a total of 82,000 layoffs, the second worst January since 2009.Meanwhile, the US just reported that 353,000 jobs were created in January.Something isn't adding up here.This just goes to show to the public that buys everything they read; if you can't get how numbers are massaged you are quite naive. 

Changing the current layout from a 3/2.5 to a 4/2.5 while enhancing the master bedroom into a master suite with huge walk-in closet and bathroom.

Additionally, Memphis' pro-business environment, steady population growth, and ongoing revitalization projects enhance long-term investment prospects.

Diverse Amenities and Lifestyle: Katy, Texas offers a wide range of amenities, including shopping centers, restaurants, and recreational facilities, enhancing the quality of life for residents and making rental properties more attractive.

Vigilance is key to protecting your financial well-being.In conclusion, while fintech innovations can enhance our banking experiences, it's crucial to remain vigilant and discerning.

I actually consult with PMC that uses AppFolio.Your PM should be able to send you the owner statement that shows the consolidated summary of your portfolio.They might have to use the Owner Statement (Enhanced Report)