One buddy gives a discount if check is made on 1st day of each month electronically.

Like, discount points?

Never heard of a lender only charging an eighth of a point, that's your discount to the interest rate you pay them at that rate. 

Check out Realestateexpress.com, and realize I might be able to get a discount for you on the on-line course.  

I'm especially interested in a buy and hold strategy and looking for insight on the best way to come up with funds for a down payment and finding properties to be purchased at a discount.  

At some point afterward water and sewer service was brought to the neighbourhood/street, homeowners were given the option to hook-on (maybe at a discounted rate) but not compelled to switch.   

Do you expect a discount with repeat business realtor relationships?  

Finding the discounted deal is the backbone of it all and compliments.Feel free to share your stories and such

But, it was a fantastic deal for the buy & hold guy we flipped the deal to.Even if you're not interested in accounting for your time and effort, you don't want to discount the risk and wind up losing money.  

.  ($100K at most)  OR I could pay down the one that is coming due in March so the payment will be less, plus pay off the judgement (discounted), plus buy an inexpensive rental for say $40K and get $500 month out of it on top of it all.