So my advise, keep it to yourself, don't get carried away to help everyone you encounter at work.

I am not sure how that provision carries forward.

The other 25% of down payment was an "owner carry" so I have a small note payment to the past owners which has a balloon in 4 years.

I carried a certificate for lead paint but did not renew it a couple of years ago, so some stuff may have changed.If you decide to do it and there is not a lot of loose paint to be scraped, I would lightly scrape and use a good exterior primer on the house.

Therefore they only need to carry one key.

A large percentage of the folks on BP are trying to find deals where the seller will carry back the down payment or they have to partner up and/or raise funds to close a deal. 

Bought for $55k, reno and carry costs of about $30k, sold for $110k.Walked with $25k and the confidence to do another... which I'm closing on the day after tomorrow!

It all comes with how you carry yourself.

Those studios had the highest vacancy turnover, they are fast to rent, but most don't stay 2 years anyway......unless you get the older crowd, they can be there until they are carried out.

That means your (historically low interest) mortgage costs will carry on, but should be MORE than offset by the cash flow/appreciation of your other investments - all dovetailing nicely for retirement!