While tax rates are to be changed, your real tax liability may well go up, talk is to eliminate dependent deductions, so those young parents will carry a larger burden, that may well mean no new home, or moving to a nicer rental.

I understand your pain, but when you forget the "real" part for a moment this game is all about tying up as much money as possible in self eliminating long term debt.

In summary, your biggest expense will probably be your living expense, so find a way to eliminate that monthly cost.

The Rate of Appreciation may differ than the last 20 years, but there are factors that may cause Rental and Appreciation Rates to move even higher as the Bond Markets are indicating right now.Maybe those of us who use a comprehensive IRR calculation should just NOT try so hard to correct an inaccuracy so we can continue to buy great Rental and Appreciating investments that are being ignored by the vast amount of Cashflow NOW Investors as this eliminates our competition and increases the competition for those Cashflow Centric Investors.I also wanted to point out that during the Financial Crisis, a LOT of Dividend paying stocks reduced their Dividends, DRAMATICALLY.

It sounds like you're about to tackle that project and I would wager that the air infiltration will be greatly reduced or eliminated once you insulate the attic.

Remember that as soon as the loan is paid of to 78% LTC (78% of the purchase price) you can eliminate the PMI.

Can it be reduced or altogether eliminated with the proper education and systems?

While Brown thanked the FHA and Department of Housing and Urban Development (HUD) for the premium cut, he suggested one other change to "better achieve FHA's mission" of serving creditworthy families: Eliminate FHA's "life of loan" mortgage insurance requirement, which forces borrowers to maintain mortgage insurance on an FHA-insured property regardless of their equity position.

@John Payne,In such a scenario, the lien does not need to be eliminated, it only needs to have the arrears in payments brought current.Lenders are not typically notified of "subject to" as that would trigger Due on Sale, generally speaking.Understand also that the actual "foreclosure" is the sale of the property at auction.However, just because a sale occurred does not necessarily mean the deal is dead.

@Tony Lin, There are some incredibly powerful strategies that can be coupled with the 1031 exchange to mitigate and eliminate any capital gains tax on real estate in your lifetime and beyond.