NO PRECLUDING AILMENTS: I have no physical, mental or emotional ailments that preclude me from signing The Agreement. ________ 19.

Music may be the sex for you, but you'll need something else to produce the money to pay the bills.I get the sense you have something of a "get rich quick" mentality.

Just get the next one down and you should see another decent boost.

No, it just means that the author has a threshold whereby the risks associated with borrowing outweigh the consequences of not borrowing (despite the seeming implication that this is never appropriate).This is no different than intelligent investors who make the decision that using reasonable amounts of positive leverage to boost returns or provide the ability to complete a deal is worth the inherent risk associated with that borrowing.The views presented in this article about leverage are akin to "zero tolerance" rules.

It's rought 2% over prime so 5% interest only.In my example, $39k line of credit, I can take it all out and have a monthly payment of about $175/month and the $39k is not due until 10 years from now.Just boosted my reserves by an incredible amount.

Also, I don't drive by rentals regularly to give myself an ego boost, I drive by regulary to make sure there are no shenanigans going on at my property or neighborhood.

It has the net effect of putting us all into a scarcity, rather than an abundance mentality.

The math is simple mental math and useful.

If I have the $ to pay the 3k out of pocket (actually more around 2300 since I get to skip a payment) wouldn't I want to keep the rate lower and boost my cashflow rather than lower my upfront cost, but pay more over long run?

Its been a highly competitive world the last 4-5 years and that brings out the "dog eat dog" mentality.