If she can work into her schedule college or some other education that can help her advance in her career or to change fields do so. 

They only require 15% down and then you can leverage money better. 

I got into these because competition is less, price is less, and it has its quirks that are relatively easy to understand once you've had some basic education and understanding of the process.

I've already got a HELOC leveraged in another property, but that is a great way to use an asset to build assets.

Both require education, discipline, hard work, long hours, etc.

@Ralph Henderson get more educated on marketing/branding/selling yourself. :)

No penalty for early repayment - refinance allowed after 1yr, but have to pay 'transfer fees'Blue: Loan full $217,500 while using my condo rental as leverage. 

This could be an interesting and educational battle.

Our cash on cash return is not huge, but the loan paydown and moderate appreciation when leveraged at a 5-to-1 ratio really adds up over time. 

I know these questions have been asked over and over again in these forums so I apologize in advance for the redundancies.Looking forward to connecting and leveraging knowledge with all of you!