I've been watching  BiggerPockets' YouTube videos and listening to the podcasts for a long time ! 

So, that is a calculated amount based on what you paid the state, plus additional interest, assuming there have been no improvements. 

Much stress.Other than cleaning, we didn't do much to the property, except paint the interior and replaced electrical fixtures, which we mostly did ourselves (I'm not an electrician but youtube is awesome!). 

This trip has been very productive because for being here only a few days, I was able to see which part of town to possibly invest in and to stay away from.I was hoping to meet and personally shake hands with James Wise and Tom Ott, since I follow them on social media like YouTube, but I think these guys are busy--which is a good thing for their business.

We want to sell our biggest home in hopes the cash flow can be improved by splitting it into 2-3 homes versus one.  

To get to this level, you could either pay down the loan through payments or make some improvements to the property that raise the value or wait for the market to appreciate on it's own. 

Purchased for $193,000 in 2014 (VA)IRRRL/VA to VA for 185,000 in 2016 @ 3.625% / 30yr (Bank paid 100% of the fees)Currently owe $175,000Realtor thinks we can sell pretty quick at $234,500Market seems to have improved quite a bit in the last few years.

All podcast/youtube vids have "little gold nuggets" that can help build or find your "freedom number".

Experienced and decent borrower too who actually got a CA bond to pay for the horizontal improvements. 

I always wanted to do it, when I was living there, it would improve the property value, but should I do it while its occupied?