Also, the structure is with interest only payments for 10 years... is that by design or is that needed to pass the minimum ratio to qualify for the loan? 

Really it's burnout as humans aren't designed to work graveyard shifts (look it up!)

@Dave Kush You could always market the property to indoor smokers Lol

This formula incorporates additional factors and expenses, many designed to consider parents’ financial needs.The Percentage of Income ModelLast but not least, six states (Alaska, Mississippi, Nevada, North Dakota, Texas, and Wisconsin) use the percentage of income model.

You can increase your net worth by investing in assets that appreciate instead of spending your money on vacations, expensive vehicles, designer clothes, and other luxuries.Cut unnecessary expenses: Many people spend more than they realize on daily expenses like eating out, buying coffee and snacks, unused subscriptions, and other things.

I have an interior design business, perhaps I can point you in the right direction. 

It’s designed to help you understand the property’s status without immediately incurring the costs of hiring a title company for every property you're considering.I hope this helps you save some time and money as you build your portfolio.

A hard money loan is designed to be short-term, and you must refinance or sell anyway. 

Do you think after the first week of taking a class on concrete design I could design a building or new everything about concrete.

We did buy the basic indoor system for our primary residence and use it everyday.