Sure, it cost me $100 for deductible and several trips and a pain in the butt repairman, but tenants got a new $750 fridge!

I feel that I have to lean to deal with the growing pains of balance between running a business verses having a hobby and treating as such may mean not always looking favorable/ make everyone happy.But the gift card sounds like a win-win.

Save the refi costs and pain and just over-pay on it like a 15.

@Graham Rieseberg Back in 1986, when the savings and loan crisis hit, property management kept our brokerage company going for 5 years until we started having big deals and opportunities come our way.It has risks and it can be a pain, but if you do it right, it's a steady stream of income.

I have a separate check book for each property it is a pain, but it keeps me from co-mingling.  

Many would have disappeared long ago-usually the first time they are 'money ahead'.

If you ask for a non refundable deposit, demand for your product will disappear entirely.

Every refi costs at least $4,000 and 6 weeks of pain and suffering.Costs take away freedom.

Then what happens when something else "disappears"?

Very painful process.