Backstory: 22 years old about to get out of military after first contract. 70k cash saved up & 775 credit score, no debt.

Just focusing on reducing debt , I tutor chemistry which has been helping with finances.

They got fundamentally sound real estate, with matching debt (10+ yr fixed rate) and budgets with the intent to hold nearly forever. 

It should be as easy as converting one conventional loan that cashflows well to a Debt Service Coverage Ratio loan or DSCR.

There are several benefits of having cash in the bank/liquid reserves versus an open end mortgage (a.k.a) credit card.

Did they issue a refund that aunt hasn’t shown up on your card yet?

Secondly, if you do offer these services at your property, do you use your business account, debit, or credit card to pay for the memberships?

The best way to find a handyman is to look for business cards at coffee shops and local restaurants.

The greatest profits are in properties that can be repositioned to a higher and better use, or appreciate the highest over time, or will throw off a TRUE cash flow of 20% per annum on total investment (cash + debt + capital investment). 

Wanted to both reduce our debt load and also take profits off the table.