If this dog was properly socialized, this wouldn't have happened.I don't have dog "education" but I DO have a lot of college education, a significant portion of which was in graduate level statistics.

As an example, mine reads:LESSEE(S) agree(s) not to rent, sublet, or in any way assign the right to reside in the dwelling or any portion thereof, without permission from LESSOR at which time the Rental Agreement may be altered to reflect LESSEE(S) changes or additions of residents.

Plus, think about what the security for their loan actually is: the equity portion on real estate.  

Before I discovered this strategy, I got the thrill of the chase... but lost money on a significant portion of deals.

Not the legs, but the seat portion of those benches. 

From reading various blogs, part-time real estate agents' success is limited in that a good portion of clients may want to contact their agent or see a property during the day and during the week. 

I know you posted just this portion of your talk at the REI but I'd love to hear the whole story if the full video exists.

Though I've paid off a very large portion of it, I'm starting to realize that I'm wasting valuable time that could be used to build a portfolio, build my education/ foundation, etc.

What if they they had diversified a portion or entirety of those same funds into hard tangible real estate? 

Yes, technically the escrow is for taxes and insurance, but in reality it's a checking account.In the event that you refi your mortgage, that escrow balance comes back to you because it is essentially your money held at the mortgage holder's office.When I'm doing accounting, I transfer the escrow portion into a separate "checking" account.