I actually have 3 coupons to paid events too if anyone wants one.

your scenario is returning principal and interest.. that's why I think @Joan C. was thinking the APR was much higher than the coupon on the note.I grew up in the note business..

If you sign up for the free audible trial they will send you coupon codes periodically for 3 discounted months which works out to be a pretty good deal. 

I am a data junkie of sorts, so I started with this document here (http://uli.org/wp-content/uploads/ULI-Documents/ET17.pdf), and once I saw some things about markets I liked I started digging in deeper into the markets themselves through my independent research, and then finally got in touch with someone who was working on the ground in the markets.  

If so you should check out these links:https://acrenm.com/wp/https://www.meetup.com/ABQREIA/

https://www.biggerpockets.com/renewsblog/wp-content/uploads/2016/03/The-Best-Real-Estate-Books-Ever.pdf

I use both of those places but also purchase 10 percent off coupons and gift cards through Raise/Card Pool which helps reduce the overall cost.  

according to the Urban Land Institute report:http://uli.org/wp-content/uploads/ULI-Documents/DemographicStrategiesForRealEstate.pdf

If needed you replaced those janky mini-blinds for 5 bucks each from Lowes, and if you (still) have carpet you found a random coupon from Savor Gator or some such for cleaning.

In this scenario VA is the winner Below is a link which breaks down the VA funding fees in different situations  https://www.nerdwallet.com/assets/blog/wp-content/uploads/2017/04/CD-0421-MOR-VAFundingFee_TableRecreation_Final_Update.png