There is a problem when people think they are just so damn smart and make arguments to do unethical things and try to spin a position to circumvent the accepted and expected way to conduct business within those accepted bounds.

You're damn right I am considering the returns I will be able to give the investors!

The interest portion you pay each month is simply the outstanding balance at that moment times 1/12th of the annual interest rate....exactly the same way a heloc is calculated.The savings boil down to paying extra on the mortgage balance, which decreases the interest owed each month, thus increasing the portion of the fixed payment that goes goes toward principal (“moving ahead in the amortization schedule”).....it doesn’t really matter if you pay the loan down directly or use a heloc to do it and then pay that heloc back.....it’s still the same “extra” money out of your pocket.One of the staunchest promoters of this, pitched mostly by the Renautus guys, finally admitted the result is the same, it’s just that you have a heloc available for emergencies/unexpected expenses.  

Or, you're damn lucky if you find a good one!

Damn!

If the mortgage payment is a challenge, I would consider asking the lender if you can "recast" the mortgage, which is paying a chunk of cash and having the lender lower the mortgage payment based on the new outstanding balance, down to something more comfortable.  

Yes, you pay premium for their properties but you get a truly fully rehabbed property, you get to work with a professional property management company, and you get outstanding customer service.

They texted us 1 week later saying that this was their last month - 25 day notice - it is written in the lease that there is a 60-day noticeThey left and gave us no information and since then they haven't answered any calls or textsThe trashed the place, have two outstanding water bills ($150), left trash in the apartment that I had to get a clean out crew, destroyed the walls, damaged kitchen cabinets, left spilled food in freezer, didn't pay for the missing rent, missed two trash payments, etcBeing in the business I have to admit this is not the worst thing in the world.

Wow, yeah, HFT has TOTALLY changed how I trade and invest on the market, damn machines!

I had ups and downs for certain, but my total return was never negative ... if I'm a speculator, then I'm one damn lucky speculator, and the harder I work, the luckier I get :)