Now I know with that we got a great interest rate and at first I planned to not pay it off early as our tax break is helpful.

I did not want to manage the house from a distance and had plans to grow a portfolio in TX.

I trusted this agent because she was recommended to me by one of the MTR gurus/book writers as a high professional investor-friendly agent.I had planned to implement a mid-term rental (monthly) strategy, but I cannot do so due to HOA restrictions and high insurance costs.

I am just a person on an internet message board, but have known enough attorneys and seen second and third hand enough lawsuits to know you are getting dragged in no matter what.Just a few things to think about before you start spending money to transfer, just to learn that it will cost you a lot more to have things like commercial insurance, commercial mortgage, business utility account (not more expensive, but typically require a large deposit to remain on account), etc.

Also, if you're looking for time to spend with your family... maybe have it be an activity you do together, and make it fun (if you have kids) and get pizza or ice cream every time or every other time for something to look forward to.

I have mentioned a few times on BP For all these folks trying to bust into the business but need to make money this is a great way to learn details and make cash without having to spend much if any money other than a computer scanner printer phone. 

He rightfully is thinking that a. you can't spend equity, it has to be converted to money to be useful b.

My longer term planning is 100% move to Kona or Hilo.If you want to know good furniture store then I can refer as well.

(It is juts that he is old and wont do this forever and I am being proactive in planning for the future.

This experience underscored the importance of vetting contractors thoroughly and having contingency plans in place.