My parents got screwed with the 401K and stock market and it's my mission to get everyone out of that "garbage!"

I retired from ortho in less than 10 years bc of solid investments but he will be forever the loser DB with a garbage reputation peddling info you can easily find on your own. 

That is the difference.The convertible equity play is just garbage.  

I don't mean purposely leaving a mess of unintelligible garbage on the screen, but I don't see any value in creating posts that read like textbook prose.  

All utility statements: electricity, water, sewer & garbage, INSURANCE, road snow plowing, septic maintenance agreements, lawn care, hot tub maintenance, internet, and supplies.

Provide and maintain appropriate receptacles and conveniences for the removal of ashes, garbage, rubbish and other waste incidental to the occupancy of the dwelling unit and arrange for their removal.6.

Spoiler alert - your monthly payment will increase, and the total monthly payment will be exactly the same amount as if you had gotten an equal-payment, 30yr amortizing loan with a rate of 7.5% and a loan amount of $127,000.People like you are why we have all of the RESPA/TRID/Dodd Frank garbage in the first place. 

People are going to stop coming to the site if it is just full of garbage.

•Total cost including all the renovations $360,000•Interest Rate: 3.99%•Down Payment: 5%Expenses:•Mortgage: $1693•Property tax: $ 387•Garbage fee: $22•Insurance: $100•Utilities (not paid by tenant): $200•Maintenance, CapEx and vacancy (20%): 440•Total expenses: $2842•Total income: $2400Cashflow: (I am no longer paying $1200 in rent, should I be happy that I am actually saving $758)When I move out I can charge $1200 for the whole basement and then my cashflow would be $158.

Most of the wealthiest investors that I work with or have known have very little to any long term debt everything is paid for.  3 I can think of  One sold his garbage company for 75 mil.. the other was a President of a fortune 100 company that when it went public he got major golden parachute liquidity event.. then another was inherited but all the Real Estate was paid for and there is a boat load of it..