That extra room in my budget could give me a lot more choice as the buying & selling season heats up, and I'd be in a much stronger position as a cash buyer.

So do this my friend.Give me a solid reason why your choices were only text or RVM?

@Alex Murphy  Mine have a choice of post-dated cheques or etransfer. 

Nicotine will absorb through your skin.Your tool of choice should be the heaviest painting pole you can find, a Wooster Sherlock.

Is my only choice to wait until she leaves? 

I just didn't want to make it possible for him to sue me.First, I wrote a negative review about him on a very popular niche-related site (like BiggerPockets in your case; just be careful if they have a common name so that you don't hurt someone unrelated) and his business using this title to make sure that it ranked in the top 10 any time somebody searched for him or his business:"Joe Blow of Joe Blow's X in San Diego, CA: An Honest Review After He Didn't Finish the Job AREA CODE + PHONE NUMBER"I was careful to make sure that I just stuck to the facts and didn't call him names or use words like "scam" or "ripped off."

So many choices in carpet too, marine, hotel grade, extreme stain resistant, or just the cheap commercial looking stuff.  

HelloI have a choice of moving to one of the following places:Phoenix AZDallas/Plano TXCharlotte NCSan Francisco CAWhich of these places currently gives me the best bang for the buck from a real estate perspective.

In January 2020 the median purchase price was 320K which was $29,500 or 10% higher than January 2019.SFH Resale is forecasted to be 340K for the median by end of 2020.For homes priced under 500K, the estimated months supply is from less than 1 month to 2 months which indicates a continued seller's market in the most popular price ranges.More great news for investing in Arizona Real Estate!

@Elana Greer -  If your choices are, put the money away or pay down the loan, then I'd say put the money away.