If you have both cost it's reducing your cashflow big time.

i left eXp after 4 years joining REAL in July, both are online with no physical offices unless a team has one, such as myself. eXp did really well for me, in terms of their stock incentives the provided when i first joined in 2017. since then, they have reduced the financial benefits and the main reason why i switched over to REAL which went public on the nasdaq in july. 

It is on a sliding scale so putting more down will reduce your monthly payments.  

I don't see a reduced number of private money loans inside of IRA accounts. 

That also eliminates any day count limitations as this does not reduce the number of available long term housing.

@Graham Kuzek you are paying taxes on depreciation recapture at the time of sale, regardless of if you claim depreciation to reduce taxes during ownership.

If you move out and turn it into a rental, you can always refinance and/or extend the mortgage term to reduce your monthly payment which is what I've done to improve cash flow.

About a month after that initial email (last week), she called and emailed again disputing charges, threatening to sue, and asking for our energy bills to audit us (one meter was split between two units and payments based on percentage agreed upon by past landlord).

There is actually a known negotiation tactic to reduce offer when the other party is trying to go higher.

You suffered ($150 in reduced rent)(number of months left on the contract) and this is what you are allowed to retain.