I've removed a fair amount of garbage myself over the years...haha.And @Chris Emmanuel I would look to work for a broker who supports dual career (part time) agents, because you don't want too much pressure to meet sales activities and goals when you are trying to devote most of your time to your own investing.

No penalties for scamming people out of their money.

This company is a scam.

Home warranty is more like a scam in my opinion.

Perhaps shifting to work for a startup might free you up out of the corporate America's stuffiness.2) Devote More Time To Your Hobbies: Don't know how much free time you have, but perhaps you can increase the amount of time you spend fixing up dirt bikes and rebuilding classic cars with your kids.

It was getting cold he said ok I also explained to him the outside ac  fan had a Edison summer saver plans which turns the fan off at certain times he under stood but wanted the box off so I called Edison And had the box taken off problem solved .a week after  i got a call from tenents saying they got a message via text from the water company stating continuing runner water possible leak.so I went noticed they were running a swamp cooler 24/7 they said the ac bill was high so weve been using a swamp cooler,and they filled up a above ground pool .i asked them did they call the water company to let them know of the pool fill up they said they didn’t.i called the water company to talk to them about the running water text my tenants got and explained to them  they run a swamp cooler that runs on the water faucet and they fillled a pool ,and all the household water use from  big family.the water company said that’s why there getting that text.they also said that for me to talk about there account water usage they have to call and give permission so I asked the tenants they refused.its gets better,I get another call from the tenants now sayin one of the toilets are making a noise.so thinking the worst I go just a stuck handle.so while I was here I th ought I might as well change out  all fill valves and floaters for all three bathrOoms so I did.was there a few hours making sure they were running properly and leaks.i remind you that was on a  Thursday.on Monday my tenants send me a bill via picture text from  a plumber saying all toilets leaking cleaned out all fill valves because they were clog and put in new flappers leak fixed.i asked the tenants why’ didn’t he cal l me he  had no excuse,so  I called the plumber he said they clogged  and he cha changed the flappers.so i come  Back how’s that if I just put all of that new four days Pryor on Thursday he couldn’t answer me free.now im getting I’m not  paying  my water bill because of the leak.now they sent me there water bill .with previous charges from there old residents claiming it as part of  a leak.do they think I’m stupid,there clearly trying to scam me.they won’t  Give me permission to talk to the water company and  the plumber is his good friend.

If you don't need the monthly income, devote it to paying those loans down faster.I do also agree with others here that a fixed rate loan right now is the better option, as rates are likely to only increase after so many years of super low rates.

Many times people who overly worry about being scammed are scamster themselves. 

Was wondering if this is a scam or not.

Here are a couple recent ones:https://www.biggerpockets.com/forums/12/topics/587565-anyone-knows-james-mourine-or-mourine-jameshttps://www.biggerpockets.com/forums/49/topics/595905-lender-scam-warning-north-carolinaOn the other hand, if you do know the private lender well (friend/family member) then they're likely well-intentioned.