If you don't own a home, possibly househack a duplex or triplex and let your tenants pay the mortgage and use the rest of the funds to pay down debt.

That will mean if you want it, you have to show up at the courthouse steps and bid on it with the rest of the world and pay cash for it.

This creates an air gap, which helps keep stuff from the rest of the drain system from siphoning into the bottom of the dishwasher. 

Once you give the notice, you should get an attorney to handle the rest, but maybe wait, because she will probably just pay you.  

You will save interest starting the 1st of the next month as the payment gets recalcuated at that time but the interest for the rest of the days during this current month has already been calculated (no additional savings to pay extra).The way the 30 year fixed drags out the amortization over 360 periods/ 30 years allows slow pay down and higher total interest cost.

With that $150k, you could use 75k as down payment on two properties, and finance the rest of their purchase, or split it up (125k for one, 25k for the other).  

My father made payments for two years while I was in school but the rest of the time I have made the payments or have had renters that I manage make them.

For me the most important person on my team is the lender, no money, no buying.Once I know what funds I can play with then I start working the rest.

We have each sold one of the properties and kept the rest for income purposes.

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