The price was reduced to $549,00 a couple weeks late.

If your healthcare needs are relatively low, an HSA can act as an additional long-term investment vehicle.Additionally, tax-loss harvesting in your taxable investment account can help reduce your capital gains taxes, allowing you to offset gains with losses to improve after-tax returns.

So that comes out to be $40K per home in the end.But during the DD, I've found instead of 40 vacant pads, only 35 vacant pads are usable, so there is a loss of 5 spaces for me.What is a FAIR way (to both sides) of reducing the purchase price to account for the missing 5 vacant pads?

A self promotional pitch in a high value post does not reduce the value of the post.

Unless your Heloc rate is well over 9%, youre better off just applying your excess cashflow toward paying down the Heloc balance, which will immediately reduce the interest that accrues the following month.

To intentionally reduce the leverage more than required is a foreign concept to me.Best wishesDan, financially you are, of course, correct.  

Cities then have no choice but to reduce services.

The real estate appreciation, you can reduce your taxable income, and the interest on your mortgage is usually deductible, which is a nice bonus.

The property tax increases, 17% recently on the Indy suburb house have reduced my cash flow. 

A cash-out refinance can reduce your credit utilization and improve your credit score.