Some people lump consumer credit card spending on wasteful unnecessary toys in the same category as a mortgage that in 5 years makes you a lot of money.

Eventually the items slowly got put away however my backyard is now a toy junk yard, anything and everything found on the side of the road is in my backyard.

I'm toying the idea around of a small new build project and this was a great rundown of the steps I'll be looking to perform.

I toyed with the idea of fixing the major systems problems and offering a reduced rent of $950/month, ie leaving the painting/new kitchens/new floors for whenever they move out. 

They have fully succumbed to middle-class lifestyle creep and have a lot of toys they practically never enjoy.

So I've been toying with refinancing my rental property and I wanted to solicit a few opinions.

Just change the litter before it smells and get it a scratching post with some toys.

I have been toying with the idea of refinancing to a 30 year to get about $300.00 a month cash flow, but the rate would probably be closer to 5%.

I have toyed with this idea several times, and even put an offer in on a laundromat locally here in Forest Park.

Rent a nicer house than you would buy for now and buy the toys later.I've seen so many people put their house, cars, boat and holiday home on the asset side of their ledger and they "feel" rich.