Then two huge demographic shifts came into play.

I personally wouldn't buy a property that is going to shift all those expenses on me and lower the value of my building.

There's a big mind shift required to go to a business model that is based on solving problems and coordinating capital and other critical resources in order to create value added. 

If I get into something like notes that isn't tax advantaged, I would probably shift to use a tax-protected account, but also balance out with some after-tax ETFs so I am not too far one way or the other.

Hey BP, I'm looking for someone who can help me do an FHA Streamline on my current FHA loan.  

Anybody have any advice? Hear many horror stories. My recent research has led to me to believe the big banks are not the way to go.

Using straight line depreciation over 27.5 years for the whole building (there are ways to get more by breaking down into components), you will have a paper expense for depreciation each year of more than $6,500, substantially reducing the taxable income.If you keep the property long enough to where the interest/principal shifts toward reducing the tax advantage from the interest, consider doing a 1031 exchange into another (larger) property and you can defer any capital gains, start depreciation over again, and increase your cash flow.In general, your assumptions on the RE investment are very conservative - reflecting a fairly inefficient way to buy a property (financially speaking).

Should we do a Streamline Refinance on our home since the interest rate is much lower that the 4.125 fixed rate we initially took, take the $15,000 equity from our home and put it towards the 20% down payment to get rid of the PMI and have a lesser monthly payment or use that $15,000 towards the purchase of our first investor property?

The way I see it, crowdfunding is a good thing for RE as it makes it more transparent and efficient and puts a streamlined process around investment options. 

I keep getting shifted around from person to person.