Period.My opinion on her breeding habits will remain my own, but take one guess.

This terrible habit of mine is really slowing me down from my goal to buy my first duplex.So what do you guys do to handle your money?

In generally it is a good idea to refinance if : Cost To Refinance < Monthly Savings * Months You Plan To Make Payments (either sell or pay off loan)To be more conservative I would generally recommend only using half (or less) the time you plan to make payments in your calculations as plans have a habit of changing.

So I'll completely agree that if you don't have much capital to start with you must create the habit to not waste money and invest every cent you can. 

Make sure you are making a good faith effort to maintain a habitable residence.

Even wholesalers have a role and are very useful to many Investors who don't have the time or energy to find those deals themselves, there is no harm in that is there? 

If he makes a habit of paying late or not paying back debt, don't expect that to change just because you have a personal relationship with him - people are generally either responsible with money or not.

There is no harm in trying to negotiate a lower price on anything.

If you miss out on the deal, no harm done--there are always more investments to be made.

Or, a lot of turnkey buyers are brand new investors, so they often buy one and then while they build more capital they see how their purchase goes (no harm in making sure something actually works out!