I know the housing market, economy, and future rates are hard to get a handle on, so I don't want to make a dumb mistake and end up losing everything we've sacrificed for, with a wrong decision right now.

More often than not when I come across an Evolve property the photos are sub-par (too much HDR- looks like a cartoon/ impossible to judge depth), and the revenue management leaves tons of cash on the table compared to revenue optimized comps in that same market (they either set the price too low sacrificing revenue, or too high sacrificing occupancy)With these two variables out of sync it often equates to tens of thousands of dollars left on the table.

It's a slow process, but very exciting to anticipate the buying of properties, but also very rewarding because you feel like you did it on your own and you sacrificed so many things in life to get to this point.

Sacrificing $300/mo in cashflow, one of those 2012 refi's will save me $193,000 from where I was (7 yrs in, so 23 yrs left) to going with the 15 at the much lower rate. 

We have sacrificed pleasures large and small (snickers to kicks, trips to flicks), in order to achieve a better future, through a better society; a better world as a result.  

The stability of the market and the quality of the properties are often worth the sacrificed return.

You need to know what you have to pay investors to get the money raised, but not price the money too high to where you're sacrificing returns.

Alternatively, if recognizing the market has a high absorption rate, the agent can increase the price without potentially sacrificing demand for the home.

If I have extra money, I've been throwing it into those funds to build them up, sacrificing the HELOC principle paydown that those extra funds could be directed to.Is 10% for BOTH repair and CapEx overkill?

Scott Rowe and his  wife Nancy have sacrificed incredibly to build such a fantastic business in Downers Grove.