If you have a mortgage at 4.5% you are either losing money from the property every month or through inflation.

As long as you’re willing to lose the deal over it, ask away.

That's a newbie who is losing and will probably like to cut their losses.

But Dave loses his mind when he states never use credit for anything.

Is it worth losing a little money each month to live in a nice house that we actually own as opposed to renting?

I know I can lose my butt quick with reckless loans like that, the whole point is to make money after all, not pay it all in interest to a loan shark.

If you sold the car and got a $3000 car that will get you from A to B reliably, you can put that other $14k to work for you instead of putting it into a car that is (likely) losing value.

This will save you from losing out on revenue from people who want to stay longer. 

Probably lost about 2-3 months of rent trying to “save” on labor, when really the opportunity cost was probably more expensive when you add monthly holding costs + losing out on rent. 

This industry is the most regulated industry in the United States and having professional advise is a MUST or you can stand to lose it all.