Whether the outstanding loan balance would be a distribution or a rollover could be a significant factor in how you choose to proceed.

Real rates (factoring in inflation) are already basically at 0%, but I think they will go much lower.

There are several other factors that could weigh into the final verdict: phone coverage, internet speed, phone purchase specials, coolest commercials, etc.… Then, after you go through the entire purchasing and set up process, you end up with something that costs you more than what you were promised in the ad, begging the question, did I pick the right company?

A credit report pulled for a mortgage lender is different than one pulled for a car loan because the risk factors used to generate each of those reports are different.

That case also gave us a multifactor test to determine if a note is a security based on the motivation of buyer/seller, plan of distribution, reasonable expectations of the investing public, and other factors that reduce risk. 

You should factor management costs into your numbers anyways even if you plan to self-manage. 

So that I won’t have to work so hard forever unless it’s on my own terms.

It's hard to stand out.There are some owner-occupied segments with people who share motivating factors for selling their home.Seniors with Long-time Ownership: often ready to downsize or transition to assistance.Homeowners with Low Financial Stability Scores (FSS): Struggling financially and likely ready to cash in on their asset.Both these categories have additional advantages in that they probably don’t haven’t been updated and may have deferred maintenance.

I just want my portfolio to be closer to my forever home mentioned above, so I can take care of things easier.If you could kindly help me with these questions, I'd appreciate it very much:1.

It's hard to stand out.There are some owner-occupied segments with people who share motivating factors for selling their home.Seniors with Long-time Ownership: often ready to downsize or transition to assistance.Homeowners with Low Financial Stability Scores (FSS): Struggling financially and likely ready to cash in on their asset.Both these categories have additional advantages in that they probably don’t haven’t been updated and may have deferred maintenance.