If you took that extra money you were paying down your mortgage with and invested it elsewhere, you should (hypothetically) be increasing your net worth much quicker.In regards to general savings, I have roughly 2/3 in the market and 1/3 in a savings account earning 1.3%.

I've learned here that developing better systems, delegation of work/ responsibilities and building a team is the only way to maintain or increase project flow with the goal of achieving a better quality of life.  

Seems like there could be a noticeable increase in cashflow if I could convert away from oil.

Also look for states and cities that have a good credit rating which ensures that they will be pouring money into revitalization which increases jobs, growth, appreciation and rents.4- Jobs.

As others have mentioned when your building gets big enough a cost seg can pencil and accelerate the depreciation and increase the write offs further.

This will increase the likelihood that your reappraisal will be higher than the purchase price.

These costs are generally not something you can get increased cash flow for, nor recoup.

The question is, if you make some decent repairs to it, can you increase rents?  

Also there are plenty of other financing options than the standard 20% down deals.  

FORECLOSURE: A seven year waiting period is required, and is measured from the completion date of the foreclosure.A three year waiting period is permitted if extenuating circumstances [EC: non recurring events that are beyond control that result in a sudden, significant and prolonged reduction in income or a catastrophic increase in financial obligations]  can be documented and the lesser LTV of 90% or the standard product guidelines.