Each year going forward will have loan paydown and factor in the increased expenses/income assumptions chosen on inputs tab.

On the Handymen/Contractor side I do not have any recommendations for the Austin area as I have found it too expensive and have chosen to look outside in neighboring cities. 

About an hour after I get home from showing it to them they email me saying "I forgot to ask but if we were chosen would it be OK if my roommate pay her of the rent for the year up front".

It is the strategy we've chosen to get started though.

Be open, honest, and transparent about all of those ... explain to them in easy to understand terms what your investment philosophy is, why you invest the way you do, how it has worked (and not worked) for you in the past, and why you have chosen to structure things the way you do.

That’s great…if that’s the market you want to serve, and you’ve chosen it DELIBERATELY.

You’ve definitely chosen an excellent place to start making connections  and source information.I reside in Portland now but grew up in Corvallis and attended OSU before transferring to the ‘other school’ to the south.  

Rebo has divorce and probate, which I've chosen not to offer, because I think the data quality is often poor, and more importantly there are better ways to do those businesses then public records filings (obits are available much earlier for example).

My sentiments come from having 11 different roommates in college (from undergrad to law school students) and dealing w/ the lack of respect for the living area/other roommates was enough for me to be opposed to having roommates again.Having said that, I think the type of people chosen would be very important and I think I could be a lot more particular about what I'm looking for in a roommate if I decided to go down that route.

. $10,000 min draw.Mutual of Omahaequity line- 5.75% first 6 months 2.99 FICO score better than 700appraisal cost of $400 if you don’t bank there. equity loan- 10 years 5 1/4 fixed Northrop Grunham Federal credit union (directly from website)Variable APR*4.50%Depending on the option chosen, each time an advance is taken the payment towards principal and interest (NGFCU does not offer an interest-only repayment option.) may be either amortized over 180 months or to the maturity of the HELOC.Fixed APR*5.50% May elect the Fixed Rate on up to 60% of the approved HELOC limit.