You did not mention whether or not you have consumer debt so I am assuming no, either way $30k non mortgage debt is still a large number. 

These things can show someone is responsible, but since you aren't borrowing money, technically it is not "credit" and does not appear on a credit report.It's actually quite disappointing how our society, and my industry as well, frowns on folks that are averse to consumer debt.

Then take that defined goal and divide it up into consumable chunks and develop daily drills & tactics that will help accomplish those consumable chunks. 

The roof had major holes in it and what hadn't been consumed by the fire was destroyed by water damage from the fire department.Dealing with the insurance company took roughly 6 months and was a pain, but the house was finally declared a total loss.Depending on how big the damage is, you might want to consider hiring a professional adjuster to deal with the insurance company.

The consumer thinks the lender not asking for any paperwork is "easier" to work with.

You know what will work best for you, I would suggest paying off any consumer debt though, I did this a few years ago and it's great to not have any consumer debt, just mortgages lower than 50 LTV at super low interest rates.Congrats on building a successful portfolio, and I think it's fine to give yourself permission to take a break or keep building, whichever seems right to you. 

For smaller companies to keep updating mobile apps is very time consuming and costly.

My sense of him is more a consumer advocate.. 

Very inexpensive, just time consuming.

Out of state is easy, but time consuming.