We are moving for the obvious reasons: cost of living, slower pace of life and better school systems for our daughters.

She's a third-generation note investor, done it exclusively all her life.  

@earl hoyowardHi EarlI was taught that your personal life should have as little debt as possible and that your businesses should carry the debt because you will be generating revenue to pay the debt.  

- They tell me their life story, about how their cousin's brother owns the company or something.- "Thank you for sharing.

This is not to condemn owners, life happens, but choices were made that prohibit continued ownership.

As life gets messy, perfect credit is becoming more rare, so cherry picking applicants that are demonstrating positive changes can work out  for both of you.

That is what life is all about. 

@Luke PaulingWelcome to the community, of BiggerPockets and congratulations, for starting early in life!

I like to determine how old the major capital improvements are and how much life they have left.

For the life of the investment, you would have 20k/13k or 154%.