3.625 here at consumer direct. 1k in closing costs and I had to pay appraisal

Also, it is pretty time consuming.

I wish there were websites like BP back then to motivate me to actually go out and see what real life REI is about, instead of consuming myself with books, magazines, and REI guru materials to "expand" my knowledge.

To all my fellow Wisconsin landlords (or future landlords like myself):I don't remember how I came across this article, but apparently the Wisconsin Department of Agriculture, Trade and Consumer Protection creates the guidelines for the Landlord-Tenant relationship.

The umbrella policy invites it.Remember: you don't make money by not spending it - that's a consumer ("broke-minded") paradigm.

Maytag has a good name in the consumer market, and we've had them in the building where I live (a coop.)  

Do what you did with this house again.What does your consumer debt picture look like?

Less time consuming for you

Depending on how much high interest consumer debt or car payments I was carrying, I would consider retiring that or keeping this as an emergency fund.  

Just like anything else, consumers evolve now online and good leads cost a ton relative to their ROI.