I am not a fan as it would not give a homey feel or look.Anyway, I would love to hear cost-effective ideas for either the long term, short term, or both.Thanks for your time.

I am also a big podcast fan so I've been doing the above books as audio books with the PDF guides to follow along and take notes.

I agree though, I am not a fan of being forced to open bank accounts to use features, and so I certainly have no interest in Stessa's cash management nonsense.

The scams aren't frequent, but they will definitely happen if you leave the opportunity out there for people.  

We currently are under contract to buy a .3 acre lot in downtown that is in a frequent transit area, which means we are allowed to build two accessory dwelling units on the lot. we are also zoned for a duplex, so that’s the plan!

The objecting scoring matrix that we created allows for somebody with a sub-600 score to still be eligible, they just don't gain as many points for being below that threshold... however, still, individuals still seem to be frequently getting denied based on bankruptcy or 6+ non-medical collections......

This can help reduce the principal more frequently, which means you'll pay less interest over time compared to just making monthly paymentInterest Savings: Bi-weekly payments often result in more interest savings over time compared to a single large annual payment, as the principal is reduced more frequently.Flexibility: If you have a good year financially, making a large principal payment can give you flexibility, but it may not be as effective in reducing interest if the loan has high monthly compounding.If you're looking to pay off the loan sooner and save on interest, bi-weekly payments are generally more effective.

I'm not a fan of the Oxford House Moedl-they need structure and accountability.

New to investing - purchased a home in NV and renting it out but would like "quicker/more frequent cash". 

If its' long term appreciation (which I'm personally not a fan of betting on) you can look at it as, if you put a small 3.5% down payment using FHA or Fannie Mae, and your property appreciates on average at 3% a year.