I know you will set yourself up for success by starting well ahead of your retirement, while you have a solid W2 income...

Visit the wholesale subject on BP.

With a side of visit with the seller and find out what they REALLY need. 

Get on the phone and/or visit your local lenders for a face to face and you find yourself immersed in so much financial speak that you need a recorder to take notes.As for the other parts of my "team" contractors are a slow and growing process as is having a very good reliable agent that also understands my criteria ( everyone's different ) and also meshes with my personality.The latter is one that I see is more of a challenge for several in this forum.

I went ahead and offered to the lease to the younger couple and they signed!

Go ahead and ask a few managers (and maybe students as well).

But if you add up all the hours of maintenance over the next few years to keep this floor looking decent, will you end up being money ahead by just replacing it in the first place?

In my opinion, the ones looking for a new place earlier tend to be better tenants, but we have had plenty of low maintenance, pay on time types that are only looking for a place a month or so ahead of time.

Well, ****... if it isn't going to be verified, go ahead and tell the truth about her rent: HER rent is $500/month.I'd really drill down on if the AUS is calling for that in your situation.

game, then I'd suggest chilling out with the refis, and if you want $50/month more cash-flow, maybe go ahead and think of improving some of your assets so they command higher rent.