I'm not willing to extend further out on the risk curve, so this is unlikely to change.

Hoping it extends into a very mild winter ;)

Rents have not quite kept pace with the median price increase and as a result, cash flow has suffered.  

When the economy suffers as a result of too much of a contraction, debt payments are harder to make, etc, then go through the cycle of loosening it again, devaluing the currency so debt payments are easier to make, and banks can profit higher than before.

Also extend balloon or amort periods 5 to 7 years.  

PHEW.. bad out fit that NW RE for allowing a client to suffer like this. 

I hope that clears the confusion.Twenty years ago we lost our first home when my wife suffered an heart attack. 

Or more so if I use extended family as my funding source, how they move funds in and out of an LLC.

Newer ones (2008+) are suffering from seasonality now but will pick it up in Q3-Q4: if you look at historical data, Miami Dade county has always had seasonality low volumes during summer time, due to hurricane season, holidays and less tourists visiting. 

They are often classified as operating expenses or maintenance expenses rather than capital improvements (assets).Washer/Dryer/Stove/Refrigerator: These are assets as they are considered durable goods that will benefit the property over an extended period.New Baseboards/Trim, Doors: These are generally considered assets because they enhance the property's value and are not typically replaced frequently.Furnace/AC: These are significant components of the property and are categorized as assets due to their long-term benefit.Paint, Light Fixtures: These can be a bit nuanced.