Yes if your other notes are at those interest rates you stated then keeping the cash to make new investments makes sense.Make a low offer to all 3 and see if one of them bites.Start out at 30 like I said.At the end of the day they want to feel they got more than you were willing to pay them.They want to mentally win the war and feel superior in negotiations.Let them feel this way and revel in their accomplishments.You will know all the time you accomplished your goals.

Now I carry at least 50 mil pesos when I drive everywhere.Beautiful country but o man , o man you need mental strength and patience to survive when a gringo.

If you exhaust these options you'll be into the legal system and the results may be unpredictable.

Out of state investing can be a good option, but I usually advise people to limit the out of start investing to towns that you can drive to in a couple of hours or after you feel that you have exhausted all options in your current area.

I plan on attending meet and greets to network, mingle and increase knowledge and come out of my DIY mentality that's stopping me from scaling.

I will say I am a new investor, but I believe I'm mentally prepared as well as analytically prepared to analyze deals,etc.

Also for mental well being, time off is necessary, the mind doesn't even start to shut off in a week.

I love the 'rising tide lifts all boats' mentality here. 

My experience is that many of them appear to travel because they are mentally unstable and/or addicted to medications and wouldn't last in a long-term position.

At the end there were numerous houses that were getting liens, and all the draws were exhausted.