I'm using my workout time to educate myself daily and feel overwhelmed, but excited to get going.

Right now the only utility at the garage is power so basically I am starting with a frame and a roof. 

In that case, I wouldn't say the PM necessarily made a "mistake" by keeping the power on.

Your story about the seller financing deal is powerful—trust really can change everything.

Many would suggest against RE investing using retirement money but if you go into low risk opportunities it can be a powerful diversification method.

I also have a list of all the other local meetups that I'd be happy to share...The super power I've found over the last 5 years or so investing is FOCUS!  

Here’s a fun way to think about getting your spouse on board: focus on what not to do.Don’t talk about REI every single day.Too much can be overwhelming.

Sometimes new investors try and look in 5 markets at once which is like drinking from a fire hydrant and results in nothing happening because they get overwhelmed.

Depreciation is another powerful tool, allowing you to deduct a portion of your property’s value annually.Action Step: Keep detailed records of all expenses and consult a tax professional to ensure you’re claiming every deduction you’re entitled to.3.

Mortgage recasting is a great option for homeowners who:Have received a windfall, such as a bonus, inheritance, or proceeds from selling another property.Want to lower their monthly payments without extending their loan term or going through the hassle of refinancing.Are satisfied with their current interest rate and loan terms.How to Get StartedIf you’re considering mortgage recasting, here are the steps to take:Contact Your Lender: Ask if they offer mortgage recasting and confirm your loan’s eligibility.Determine the Lump Sum Amount: Decide how much you can afford to put toward your principal.Calculate Potential Savings: Use an online mortgage calculator or consult with your lender to estimate your new monthly payment and total savings.Submit the Request: Once you’ve made the lump sum payment, your lender will process the recasting and provide a new payment schedule.Final ThoughtsMortgage recasting can be a powerful tool for homeowners looking to reduce their monthly payments and save on interest without the cost and complexity of refinancing.