most HML borrow their money from somewhere like the bigger ones on a Reg A offering or wall st.. or wherever.and then lend making the delta.. profit in HML right now at the competitive rates are at an all time low from my years of doing this since mid 80s.. so much so i would not be in the business personally.. or if you are you need LOTS of money to lend since spreads are so low.its also highly regional.. in markets were foreclosures are measured in years not in months rates are still higher than in areas were foreclosures are quicker.. 

I was just hoping to see if anyone had any suggestions for tactics that I may use to recoup my money at a quicker rate.

It will be a larger payment but you're paying far less interest and build equity quicker. 

I am 20 but being 3 years in I wish jumped in quicker 

Now we're open to working with investors to expand quicker....and because now we have a colleague throwing homes as us, so he can lower his risk.As far as REIA and that $900 course, I've never been to such a conference, my origin story is a bit unique, I won't bore anyone, we can talk offline about this.

So, i was thinking i was going to just leave MilesIQ on my phone and upgrade it to a payed plan when i realized i was kinda upset with how much it task my phone.. out of all the apps i have tested, according to android battery task manager, driving the exact same trip to test each app out.. i noticed that MilesIQ just barely, but pulls ahead in using the most battery power while its in use and when you're just walking around and not logging miles, the constant checking of the phone's sensors to detect if another ride is in progress really makes my cell phone battery drop much quicker than it does without the app installed, so i started looking into other options that were not app related and a few popped up with the most accurate and favored one being the Miles Ace, but some have stated the device died between 1-2yrs after purchase and many people complain about how hard it is to setup the wifi feature on the device and if you dont drive for week or so, the device can sometimes loose its settings or just act weird and fail to log rides.. so i dug further and found some people use the OBD2 dongles, which cuts the battery usage of many tracking apps down to a fraction, because the device is no longer checking its built in accelerometer sensors and such 24/7, now only doing it once the OBD2 dongle is detected, but still many claim that some car charges struggle to keep up on some model phones or the rate of offsetting the discharge on the phone is very slow, causing your phone to recharge at very very slow rate compared to without the app running.. 

I don't know if adding a pantry would add actual monetary value unless you consider a quicker sale of the house (which is value). 

Having the right tools make the job go quicker and often produces a better job.

These may get you the car quicker but lose you tax advantage and passive wealth down the road as you seek newer shiny objects.

A simple light beige doesn't have much coloring pigments and will dry much quicker than a blue, yellow, or a color that has tons of colorant in it.