my underwriting depicted good cash flow, but after the insurance increases my cash flow was significantly worse than I had forecast. 

People weren't renting properties as quickly, and there was an increase in vacancy.

It’s a very popular market for out-of-state investors. ok that's great to hear, thanks Julia!

in a stick frame market and one of the cheapest markets to build we build with margin at $190 or so a square foot. that will go up over time about 5% or 10% a year to keep up with new build price increases. we are buidling a 3 story walk up and source some of the lowest priced crews.

It's just a matter of knowing where to go....oh and this is possible with 0% origination fees and without increasing the rate...not a bait and switch, i have a different compensation model. 

The increased cash flow would make such a substantial difference in your daily life that not paying it off would be foolish.Outside of that, I can't see many reasons I would take a 15% tax hit to save 4% on a mortgage, which is really only effectively about 3-3.5% depending on your tax bracket.

But I'd like to see Lynnette's projects to support your claim "the portfolio was a 30% increase in cost to the consumers" since in TN, NC, VA, NC PPAs are priced at avoided costs. 

I used to sell Salesforce to REITs across the United States and this is what I've learned:For your needs - a CRM with a power dialer and SMS capabilities - there are a few options you might consider:Podio: This is a popular choice in the real estate community, especially for wholesalers.

Rates will continue to increase as more major disasters happen.

If you offer a bonus based on profitability will deferred maintenance increase because they want a bonus?