Problem is, the tenants you will have do not think about consequences.

Go for long term tenants and farm out the trades.

I'm a carpenter by trade, and did take the lumber costs into consideration.

Refinances are a pain in the butt (i'm doing 2 right now) so if its not a big enough trade off, I wouldn't do it.Thoughts?

I guess on top of just networking if anyone is interested in a agent or just needs some advice ill gladly trade for some investing advice.

My agent and carrier were negligent, they let me under insure my house and didn't explain the consequences to me." 

If anyone meets the bill and would be interested in allowing me to fund some flips while I learn the trade (both making money,) let me know.Daniel

I've been building homes in the western suburbs of Chicago for over 20 years and wouldn't trade it for the world. 

While I won't be paying down my debt early, I will soon find myself confronted with the choice of either to refinance/releverage/trade up, or to continue paying down my debt.The answer to whether you should pay off your debt or not comes down to two personal questions you have to ask yourself:1) Can I get a better return elsewhere? 

The buyer or seller for that matter does not get to decide that somehow 3% of that is now theirs to use for a down payment, repairs or to buy trading cards and bubble gum with.Another point is you said "You do not need an agent to buy a primary residence".