The icing on the cake is that they will include YOUR debts PLUS his debts when calculating the Debt to Equity ratio of the applicants.

Carpet just stains too easily and needs replacing to often.I also use darker paints for the walls and skip the whites and creams.

Think toilet stopages and overflow, leaks from grout, dishwashers, faucets, ice maker lines, etc.   

After demo, we have good results by dry ice blasting all framing that isn't being replaced.  

I think my main goal is cashflow and having been able to turn a consistent 25% return in the stock market over the last 3 years has made me realize that I'm really looking for at least a 7%-9% Return on my Investment (appreciation just being icing on the cake).

"Ignorance on fire is better than knowledge on ice"  I love that!!!!

With your professional and prior RE experience BP will be the icing on the cake.Great people, great information and a lot of fun to participate in.Chris

Cash flow (money left over) is icing on the cake.

you are walking on thin ice with no savings/money and venturing out in the RE business. if you had some savings to back you up, that would still be risky. 

Instead, I want to use the icing on the cake.I think that drawing a line in the sand is a big part of living intentionally.