This arrangement continues in much of the world to this day.But there have been a few exceptions to dictatorship rule, also known as warlords, also known as monarchy, also known as ultra-left government to put it into a modern definition.The exception was democratic.

I've been pretty good about screening my tenants and being ultra selective. 

If you are one of the ultra conservative, pay off debt, and don't worry about ROE, then the 30 year makes sense.

Some lenders are being ultra conservative right now.  

Here's the problem with skipping the hard money piece- FHA is not going to lend on many of the ultra distressed properties we target for BRRRR.however, FHA does have it's own rehab and construction loan programs for those who want to occupy.

@Ben Pepin the TSP is better than most 401k's because of the fees are ultra-low. 

It is better to reject for any violent crimes and waive issues from non-violet crimes and/or crimes from long ago. 

I routinely work with numerous organizations that have a 1000 or more corporate vehicles including LLCs where sequestration of liability makes perfect sense given the relative active business risks which are enormous and the relative costs of establishing and maintaining the structure are negligible.So again I say show me a small real estate operator that has been saved by an expensive and cumbersome legal entity structure that couldn't have been done it at least as effectively and much more efficiently through fundamental risk mitigation practices which disciplines one to act responsibly from the outset.In other words, running what are essentially passive real estate activities by retaining competent and professional management and a modest amount of insurance coverage (which should effectively limit risk sourced to the RE activity), and if you need additional coverage (for risk sourced outside the RE) get some ultra affordable umbrella coverage.Now I realize you won't be able to able to strut down the street pretending you are a player because you have an LLC, but it seems to be a very very small price to pay for not being played for a fool wearing the LLC trappings of a clown.

Be thankful you got that low of a rate and don't expect these ultra low rates to continue forever. 

Anything lower is in ultra high crime areas or in more rural areas.