The only thing you have to be aware of would be pre-payment penalties but those tend to disappear after a year or two.

The fact that you're only getting 25% of the appreciation in your own and you're sitting on "quite a bit" of appreciation, makes me think  that now would be a good time to cash out of that house and move on to one where you are entitled to 100% of the appreciation going forward.Historically speaking, real estate tends to double about every 20 years.

I love my architect in SF because he knows the nuts and bolts of pulling permits as much as he knows building codes and design.  

But when you analyze the numbers, a female agent's homes tend to list about $40,000 more than male agent's houses, Trulia found.

That tends to be an oxymoron in most areas, especially mine, but there are a few around. 90% of them just lock stuff up off of the MLS, mark it up $5,000, throw a few comps in an email and then send it out to buyers.

I tend to "over-do-it" a bit ... 

I'd probably get rid of the bathrooms, as that info would come from public records which tend to be fairly inaccurate.

THIN FILES are ironically the new norm now that Credit Underwriting  and ID verification tends to be more strict.he's only 25 and assuming you have his SSN, DOB, and are running an address he's been at least a year, at least credit INQUIRIES themselves should have generated a file so if theres a thin file its one thing, but if he's really actually previously UNKNOWN then he is now instantly KNOWN to at least one of the big 3 at the moment u pulled the credit report. assuming those 3 pieces of ID (SSN, DOB, ADD) are all accurate, cuz if any of those 3 are 'novel', it will throw off the data and likely also give u a thin file flag.

@David Begley - I tend to always plan for the worst case and include an extra few months of carry in my numbers, just as a precaution.

I would tend to think that there is some inverse relationship between overhead and rents as a % of cost.