I expect more of BP; maybe I'm too nostalgic about how BP began.I am pragmatic.

So I was playing musical chairs with them much as you might with credit card balance transfers.  

You'll see the usage drop significantly once they start to play for it.Get three quotes from HVAC companies, and if you don't have any I would ask contractors and realtors for referralsGino

The rates are usually tied to prime and LTV plays a factor as well for the best pricing.  

I always play by fair housing laws but not giving me a pick in my tenant is not to my liking!

Of course capex does come into play, but I have a lot of factors on my side including most major components of the property have been replaced already, including roof replaced 2 years ago, water heater replaced 3 years ago, full house was just repiped, septic system is 5 years old, HVAC system replaced in last 7 years, i do not cover appliances with warranty in my rentals, and the tenant I placed in the property is a single dude who works 60 hours a week and just needs a place to sleep.

Some of the further out areas seem like a good investment and appreciation play but I personally don't want to live out there yet. 

Some real estate agents think because the funds show more they can play tougher, but I always let them know the funds in there are for specific deals with this one being priced where my bid is.

Single-family home prices and rents are primarily driven by supply and demand dynamics, with interest rates playing a crucial role.Supply:Existing homes for sale have hit a near 30-year low.​​

I am also considering selling the property next spring so this would be the last lease and I don't to play nice.