We got a small drop last month but nothing worth bragging about.I was thinking of doing a refi with dropping rates but doesnt seem like thats in cards currently...Thank you The bond market happened.

Hold on to the cards forever (closing accounts or opening new cards can impact your score).

It's very hard to win with low money down in Northern NJ.

I would also recommend doing your due diligence on the new lender, and make sure they are not just a salesy loan officer trying to win you over with term sheets that don't exist... 

It seems like an important service & a win/win for tenants/owners. 🤔🤔 I’m assuming it can be done OOS?

My wife and I use something we call the "One card" that we learned from another Memphis area investor.

Have supplied washer/dryer if kicking that in is all it takes to win what I think is a solid tenant.  

Don't know about anyone else, but I feel like my personal daily battle is between doing what is urgent and fuels my raging undiagnosed ADHD, or what is actually important.I've done a ton of work on this over the past almost 4 years, and still am nowhere that I think I need to be, but I'm at least getting to a level of awareness I don't think I ever had before and that is a win in my book.  

.: @Mike HernThanks Mike, I played that card 2 years in a row and this time I can't find another good reason.

instead of a lender try to find a capital partner and share the deals.. thats what I do provide money for JV's  works great its a win win.. your going to waste your time trying to find nothing down lenders.. unless you already have one that really loves you then its possible.