Hey Ed,20% down on investment property, new ARM products, amort @ 30yrs, 3yr-3%, 5 yr-3.5%, 10 yr-4%.

Marking up a product or service is part of doing business.

I giggled a bit when you said you want to continually be improving your properties because most of us want to get nice rentals and not have to always be fixing them up (you know how things hit you sometimes when you are speed reading).But it sounds lovely that you want to provide a quality product to good people.

Unfortunately I hear they build houses super fast and a lot of them are not quality.

In the investment property we bought a massive modern original piece of art from a local artist for around $200 and it complements the antiques.I like to read interior design magazines then replicate the look for as cheaply as I can while maintaining some quality. 

I am more upset about what appears to be low-quality work.

Typically, the layout, flow, room size, and quality of the construction of the 20's house will be far superior.

Hainey on Green Acres (if you're old enough) he just flipped signs on his truck to sell what ever product or service was applicable to the situation. :)

You can also call the school's financial aid office, but they can be hit or miss on quality of response.

They are trying to move that product so they will know.John