Starting January 2022 my mortgage payment decreased $400 per month.

The state should prepare for a dramatic decrease in property tax revenue. 

So, if it goes over 50% investor owned, no one can get traditional 30 year mtgs….so demand decreases due to financing that is harder to get and more expensive.  

Good news is that you are in the RE activity, and you could decrease your flip profit via rental activity. 

So that savings of $633 in the first year will increase by a certain percentage each year due to the increase in price of electricity offset, decreasing the payback period. 

If I believe I meet the unforeseeable partial exclusion.

If you consider at a 10% opportunity value every 100K in equity is worth $866/month and you deduct that off the top of your rental income you can see how equity decreases cash flow rather than increasing it on a property.

Bottom Line, not a fan of the new dashboard and it has decreased my use of the site. 

I have so much income that I would rather find out how to decrease it versus hiring financial experts in my area (vs DIY) for the best ways to shelter my income, treating myself to better vacations and more play time, being proactive with my current investments, giving to charity, or investing in new businesses.

You might want to adjust to 20% down payment from partner and decrease it if possible.