Review that them regularly with a few people that you trust to help all of you to reduce expenses and gain income.  

The tax credit cannot be larger than the owner's annual federal income tax liability, after deductions, exemptions and other credits.PITI is currently $950 - PMI does suck and is 83 bucks a month, I've recently learned that my insurance was maybe a tad bit to high and I have since reduced it by $22/month but wont go into effect until 10/2017.

If you have delinquent debt, paying it down and getting current will improve your score.2) You reduce your credit utilization. 

On the other hand, some cover all exterior maintenance including roof work which can reduce your output for capex.

Phoenix should do well in the future so I would recommend making any changes beyond where your properties are still cash flowing in a positive way and not putting your properties up for sale unless you get an offer out that Is more like retail and not dicounted like a wholesale price, the amount you look for when buying.You might aught to look at your MF expenses and income in some kind of report with people you trust and understand your goals and possibly reduce your expenses and increase your income that you could help.  

If that happens, you either have to reduce the purchase price to $59k (and perhaps renegotiate to reduce the amount of the seller concession), or the buyer has to bring more cash to closing. 

You loose a ton of efficiency and suffer an extremely reduced lifetime with only a fraction of an inch of scale.

Had a company that AHS sent over last year that replaced a heater, no issues.Different tech this year, same subdivision, different property, same setup (no pressure reducing valves and no pressure tank), and tech claims it needs "Sediment trap, expansion tank, T&P modifications, and permit", essentially more than what AHS says the new tank itself is worth.Figured I'd ask here if anybody knows the exact regulations, because the tech seems not to want to explain anything other than "We can't tell you by law, only American Homeshield can, we've told them what it needs".

The county has my parcel's value assessed at $102,000 and my initial listing price was $124,900 and after a month I reduced the price to $114,900.Thank you and let me know what additional information I can share that would be helpful.

Hi-My family is downsizing to try to reduce some of our student loan and credit card debt.