If you listen to real estate pod casts of people who were in real estate before and during that period of time, you will hear their stories of having banks close down their lines of credit.

You want at least 30 calls over a 10 day period.  

But the 1031 is only available when your intent in purchasing a property has been to hold for productive use (like you do with your long term rentals).There is no specific holding period. 

Though in the grand scheme of things, it's a very efficient way to market

I just think that’s more than counting up how many vacation hours we accumulate each pay period..

If most of your lenders are like the ones that I call, they talk for quite a while before even finding out what I want to do with the loan or rate that I'm looking to get, if they know your rate prior to going off on a tangent, it may let them know if they can offer you something or if your rate is so good that they can't compete, leading to a more efficient conversation.Worst case scenario: You tick someone off. 

Even younger buyers want energy efficiency, open floor plans and a true master suite.

One of the benefits of the Albany area is renters may stay for long periods (this tenant had been living there for 13 years).

Read it once, put it down for a while, read it again a week later and again a month later, then review periodically. 

.$600 closing costs rolled into the loan...25-yr am schedule with a 15-yr draw period...true interest only payments on the outstanding balance only.