I think the atmosphere you see here about more focus on cash flow than speculation is a result of a couple things:1.

I intend to fix the property I own but it will result in a break even proposition for me in that I can by another property without the risk of a rehab and the loss rents inherent in a long project with cost overruns.

You can get even better results by placing it on black on the average roulette wheel.

As soon as I talk to, text or email someone that results in another task for me I'll simply add it to my calendar for the time I think works best for me to complete it.

Sounds like you have two 401ks there, One traditional to which they contributed the match.

Did the estimates match what you budgeted for?

If you have, were you pleased with the results?

The only reason I considered to pay off my principle faster was to get the property paid off, resulting in more net cash into my account.

Ins. companies spend big bucks on training and techniques that just can't be matched by real estate companies.

I hope both of you are maxing out your 401ks and IRAs.Asking this because I don't know the answer:  If Maria's desire is to eventually leave her W-2 Job and become a Full-Time REI... would she not be better off paying the minimum "match" to her 401K, and adding nothing to her IRA?