There repayment period for the loan can also be extended past 5 years if the loan is used to purchase your primary residence too.  The

The variable expenses seem a little high too. The

Cleaning pay for your cleaners is going to be a big one, as well as supplies such as toilet paper and soap can add up too. The

@Rodney Menendez check out Ken McElroy’s books too. The

I have excellent credit too!The

Neutral is in the upper left hand corner but hard to see what it is tied too. The

@Beck Joyner i think my bill is very high too. The

It doesn't hurt that interest rates have continued dropping too :)The appraisal for my refinance came back at 520K!

This so they can dismantle prop 13 in stages, the stealth based gradual erosion approach. 

And like my dating analogy they play hard to get at first but the good ones learn how to communicate when you ask enough of the right questions (like some of what I suggested ^ about EIN etc) Also sometimes if you aren’t speaking to the sales person at a bank or lending institution you aren’t getting the full pitch... the salesman is always hungry for the sale.... there’s a $hit load of private and hard money out there, too.... the trick is, having the right conversation with as many as possible, and becoming loyal to those loyal to you - but make them earn that crap.