Call the credit card company and ask for a discount or reduction.

There is evidence of a substantial reduction in the opportunity to pick up 8+ units out in the Springfield area.

Hi everyone, 
Thank you in advance for the replies. I have been learning and listening about realestate investing for some time now and have questions about how real-estate can be used to reduce taxable income. Lets ...

These fees don't include the additional $100 per non-conforming parking spot(s), if applicable, but overall its a nice reduction to the total costs if you have a property that would have previously required a multi-tenant license.

So does the interest savings + increased cash flow of a recast equal the larger interest reduction afforded by the normal pay-down? 

Of course, I still can't tell the difference in heat reduction even though it's a California Title 24, white roof that reflects heat.

The end game is fluid but generally involves increase of free time and reduction of risk as @Chris Masons said. 

I think it's good to include that "conservative" CapEx reduction, since your property will undergo more wear-and-tear due to tenant turnover and since you will likely have 2-4 young adults occupying your property, assuming you plan on targeting undergraduate students.  

When I finally came on board with that line of thinking, I have seen an increase in the quality of tenant/applicant, and a massive reduction in evictions and turnover.If a person feels comfortable and knowledgeable enough about an area, just exercise solid fundamental analysis on the area.

I have also seen a situation where the parents held the "mortgage" on the property and gifted a $14,000 reduction in loan principal each year.