Quote from @Jimmy Rojas: Thanks for the reply, i think it may not be worth it after all, may I ask did you use a calculation app to come up with the mostly payments, if so, care to share it with me.One more thing.

To navigate the nuance in the laws properly for compliance and to accurately structure our LLC, I am looking to consult with an attorney who knows immigration + business + tax laws. 

When the tide does shift, you'll be cruising on Easy Street while the others are still getting in the water, adjusting their goggles, and warming up their muscles.

Imaging $1 Uber rides, then tipping the driver based on the actual distance.

They'll wait years sometimes for the right down-market cycle to build.

This allows me to seed the property for 6-12month, then refi, and pay the full amount of the HELCO back in one payment. 

Sometimes the more you grow the bigger the headaches become and this is where you also need to look at everything else you have going on (young, old, kids, no kids etc).

After thirty years of flipping houses I can tell you that the second you trust the subs completely, things go wrong.

Can you PROVE that the landscaping increases rents of ability to rent? 

I was hoping the rate cuts in the last 12 months would have had more of an impact on mortgage rates.