@Clay Manship   can you help this person ???

What I've learned new HVAC systems dont need this service contract I try to have my handyman inspect Properties quarterly and filter Inspection is on checklist.If you're having issues, try to find out how old your system is, I recommend once it reaches 15-20 years consider replacing.

This would be a good starting point.I found it a helpful exercise for me and one you can always re run on a quarter or annual basis and you'll always be able to identify the low hanging fruit in terms of cash flow markets. 

Decide to skip the quarterly pest control this year? 

In East Bay 100% homes have broken clay pipes.

Just screen well and inspect quarterly or bi-annual at minimum.Most of my tenant problems (such as late rent) are for the non-S8 tenants due to breakup or job loss - which are not often issues for Section 8 Tenants.

Do quarterly inspections (keep it on a positive note but look for opportunities to see what’s happening inside.)I use an addendum to add/remove residence instead of writing new contracts each time someone comes or goes.  

I promise you, it will be eerie.After you get to even a quarter of a million in investments minus debt outside your home, the opinions of the broke on what to drive, what to buy, how to look stop mattering to you.

Three sectors — retail, business services and government — are hurting overall job growth.Businesses are spending more on equipment (automation), and that was one of his highlights of yesterday’s third-quarter GDP revisions up to 3.3 percent growth.Regardless of politics and feelings about tone and Twitter storms from President Donald Trump, the U.S. economy is performing well – at least for investors, businesses and the wealthy.Trump’s rhetoric on trade — including China and the North American Free Trade Agreement with Mexico and Canada — hasn’t resulted in all-out trade wars.Geopolitical turmoil, including North Korea’s missile tests, could be the biggest threat to a continuation of the current positive economic climate.

Don't assume it'll always be the credit unions that come out on top, they switch back and forth depending on which depository institution needs to beef up their "assets" column in a given month or quarter.... next month it'll be the local banks that come out on top, and then in six months the big box banks, and a year from now the credit unions will be back on top, etc.If someone only has the energy to aggressively shop for half of their mortgages, the HELOC half will be the best bang for your buck hands down.