Are there any Minnesota Landlords out there that have attended any training sessions from "Homeline: A nonprofit Minnesota tenant advocacy organization" (https://homelinemn.org/)? 

They met and got engaged. 

should have mentioned that. it's 300, and its hour long sessions for only 4 classes, one class every Tuesday

Yonasan, I'm glad to hear that you engaged your 401k provider and attorney to get this straighten out!

@Mark MaisonneuveFirst off congratulations on two fronts; your engagement and your pursuit of Real Estate. 

Without considering both, it's easy to do something that might save you $1000 bucks on your taxes but cost you $3K a year in extra time to implement.We've had an accountant for two decades, but we only recently engaged a bookkeeping service to help us build and implement the daily financial management systems that lead to better, more strategic financial decisions.Man, do I wish we had done this from the start!

But if the average home in your particular market is selling at 90% of asking, an offer of 85% may actually be in the ball park.Either way, your agent should engage the buyer with a counter offer and should be negotiating on your behalf.

There's no right or wrong answer, but I'd encourage you to really nail down your priorities re: time, energy, engagement, and returns.

Actually, make several offers and stay engaged until the houses you're bidding on sell.  

It is just an interest only loan for the first year, which i pay only interest and after 1 year i have to revisit this if i plan to extend the term but i have to pay down atleast 5k in the principle to extend the term after one year.Two weeks ago, i got engaged to my girlfriend of 4 years.