I'm going to leave my mutual funds and index funds untouched since those are long term investments anyway and take out some of the more speculative investments I made when they're in the green again.

They don t need to speculate on the “ maybe” of RE appreciation when they can earn a passive 17%+ tax free return from their leased STVR property/s. 

I did not see the inside so some speculation on exact finishes.

I’m not a speculator.  

Other investors may disagree with me on how I feel about the personal guarantees.With that being said I dont believe these current properties to be speculative.

Leave the speculation to those with big cash reserves that are able to be without a chair when the music stops playing.

Two more years before it's expiry time, hahaAnyway Grant Cardone speculates that your salary needs to be $360K a year in order to save adequately, invest adequately, have an adequate buffer for emergencies, have fun, and truly not be concerned with money/how much things costs.

Usually every 7-10 years you see corrections....much more noticeable in the sun belt, but really anywhere there is rampant speculation.  

I have become better at speculating the longer I'm in the business, but it's still a roller coaster. 

So this is all speculation (b/c they can't identify any other cause), but I'm worried the homeowner is going to ask for the duct replacement as they believe it should have been done during reno.