@Joshua Savage,IRA (and investments you make with your IRA) designed to provide you with the future benefits, at retirement.

I’m not sure to wait till somthing adjusts with the market or to jump on somthing decent now. 

Maybe there are few comparable sales for a particular property in Calhoun property, so the adjustments need to be more extensive. 

I'm wondering what the benefit of doing so would be and if it's really necessary.

That would probably involve your own cost/benefit analysis for your business and making the business decision based on your analysis.

So if you are using a different loan type...that loan type may not have that rule at all.Admittedly, that strategy is designed to benefit people at a higher price point.  5% at $150,000 is a lot more money than 5% of $32,000. 

Variable rate is based on The Wall Street Journal Prime Rate plus/minus a margin, adjusted quarterly.

Thankfully I won't be in as tight of a payment bind as your daughter or even a couple of my own friends so I'm still wrestling with the long and short term benefits for me.Sounds like you found some good deals to get this plan in action and I like the company name!

You'd benefit from someone who is going to put in the time and effort to find you the right place to get/keep you on track fro your future investment goals.Best of luck to you!

@Tyler MartinYou shouldn't feel stress working with a professional - especially if you are paying $$ for the services.If your tax profile includes real estate(buy and hold, fix and flips or wholesaling) you may benefit from interviewing a couple accountant's on this website.