The combined cash flow and appreciation from these new investments could potentially surpass what you're currently earning, even if the immediate cash flow isn't as strong.

Even the usually-strong HML started to get flu due to local economy.One thing I agree for office it's mostly regional, so combination of asset and place location is key where asset survived or move to the bank.

Taking the time to get these elements right can save so much stress and headache down the line.

Perhaps combine a direct mail campaign with your text message and cold call campaign.

My goals would be to increase monthly cash flow and have more access to the property's equity for things like Cap Ex, etc....Here's a blurb from a lender's website:"By combining banking functionality with home financing into one dynamic instrument, borrowers are able to save tens of thousands of dollars and years off their loan""Designed after popular programs around the world, the All In One First Lien HELOC is the nation’s first transactional offset type-mortgage program.Home financing and banking combined:Deposits lower your loan’s principalFunds remain available for expensesInterest is calculated on the average daily balanceThis lowers the monthly interest paymentsTens of thousands of dollars can be saved over the life of the loanMortgage freedom can be achieved in half the time or less

A combination of both.What do you think is the best option?

The modest purchase price, combined with an ideal renovation budget, presented a prime opportunity to improve the home’s market appeal.

Things to consider: daily internal operations, external branding and operations, lending, in addition to inside out *legal protection and outside in** legal protection, privacy/anonymity/identity protection and security...Prevention measures at different levels, preventing the attack from being initiated vs preventing the attack (lawsuit) being successful vs reducing the damage of a successful attack.... there are many elements and I see people pick one and argue about it without looking at the whole

PAL rules have a curve that drops to zero at $150k of combined income for couples.

Lots of skinny deals, overpriced vs. sqft/layout, bad street, or a combination.