.: Quote from @David Shaun: January marks the 13th anniversary of the purchase of my first rental property. 

Let's see how it goes when the one year anniversary comes.But in general what you are seeing is very common.

Later payments if after the one year anniversary would be at CapitalGain rates.

So every month we have a member of our team reach out to investors to check in and see if they have questions, wish them a happy anniversary for investing and just check in…..Over the past few months we have had multiple investors panic on calls noting “please don’t tell me my investment is gone” (NOTE as we mention above not purpose of call), as several have noted they cannot take another complete loss on investment.

(C)(1) If the parties dispute the disbursement of the earnest money and the purchase agreement contains the provision described in division (B) of this section, not later than the first day of September following the two year anniversary date of the deposit of the earnest money in the broker's account, the broker shall return the earnest money to the purchaser unless the parties provided the broker with written instructions or a notice of a court action as described in division (B) of this section.(2) If the broker cannot locate the purchaser at the time the disbursement is due, after providing the notice that division (E) of section 169.03 of the Revised Code requires, the broker shall report the earnest money as unclaimed funds to the director of commerce pursuant to section 169.03 of the Revised Code and remit all of the earnest money to the director.

At this point we NEVER miss a holiday, wedding, b day party or anniversary.

The property is gated so many rent out all 12 bedrooms and bathrooms for parties, retreats, anniversaries, team meetings and special celebrations.It's private and perfect for those who want privacy when they need it and company when they want it.It has appreciated and is now worth at least 3 million and we are looking for funding to refinance and share the profits with our investors.

AHP response: Under the terms of our Operating Agreement, AHP must try to return all of an investor’s money no later than the fifth (5th) anniversary following the investment.

Interest rate on both vehicles would have to be {near} identical or the amortized, fixed rate note would need to be at a higher rate than the LoC.In my above post I mentioned the "borrowed lump-sum" approach being necessary if the terms of your mortgage note were such that it could only be prepaid on its anniversary {don't know if such notes still exist}.  

So when you go out to eat for a wedding anniversary, you go to McDonalds right?