I have a company now I meet 4 times a month locally to work on all my back end business and digital media stuff.

Prices still went up but no more double digits and multiple offers.

"Private money", which is really what you have on the hook, is often willing to take a somewhat lower rate, perhaps high single digits and only a point or two.

The irony exists when the authoritarian government claims itself to be Communist but sets annual GDP growth targets in the double digits.

Property values and taxes are high which makes it next to impossible to hit double digit returns without leverage, most returns are like 5% to 6% if you are paying for management and if not leveraged.

One starting a digital marketing agency, one as Amazon audible.

I know he's lost 6 digit commissions he would have made if he didn't screw me.

I've been experimenting with the hand written envelopes and post cards and after just a few tests I'm definitely seeing better call rates on the hand written envelopes with typed letters and a digital signature (not as cool I know).

Didn't have to do appraisal (Figure does digital appraisal and gave me generous valuation) and didn't have to send them all the documents as I just needed to digitally link my bank accounts to their website for them to do cash flow analysis before they can approve the loan.Ultimately I thought in a few years when the property appreciates further, I will do cash out refi anyway to maintain my leverage, and at that time I can pay off both loans, so I didn't care too much about 1 loan vs. 2 loans at the moment.

Monitoring - I have a camera doorbell, driveway camera with floodlight, and one camera down each side of the house where I can see the AC units, pool pump equipment, meters and trash cans.