Looking forward to hearing your thoughts Let’s make 2025 the year we all adapt and thrive in this ever changing market!

Paying it down faster doesn't change your payment.I recommend you speak with your lender so they can explain this to you.

More than doubling in one day did change that a bit, but I am glad I have it and hope it is never needed.I advocate those who have significant assets have the protection necessary to protect those assets.  

Very, very successful.I sent out beige "invitation" envelopes and "hand written" letters (used a computer with a "hand written font" for months - about 200 a week - lots of calls - bought some properties, over all successful but time consumingThis is over the years, so messages changed with the real estate climate and list.List, message, mailing piece.

We do a new FULL lease every time because laws change, terms adjust, and it's negligent to do anything less.

There is a lot more state regulations and lending laws change when 5 units or great.

For example, Schwab, massive changes including what I consider bonkers high interest rates.

Estimated cost for remaining changes (all new electric, drywall, tile, fixtures, cabinets, roof, doors, windows, heat pump, some siding, and fencing.

I have to imagine it's a bit more negotiating than just purchasing something with cash, since it's essentially bartering @Rene Hosman YEARS and that's if they actually got approved because it had to be so completely vetted to avoid lawsuits after approval. 5-10 years but the stance of that municipality was anti-change, anti-development, NIMBY on steroids, etc.

@Tony it's interesting that your 6% locked rate wound up changing so much prior to closing.