I have done my research of UTL and seen the videos of how MPP works and all its features, so I am speaking from experience.I went thru all the channels one goes thru to purchase the UTL program; and though I "chose" not move fwd w/ it, unlike many others in this forum, I can tell you it's worth your time to do the research of the company before taking the advice of non-users, and determine for yourself if it or isn't right for you. 

I hope you're right, but in my opinion, that's just really simply not logical.I'm old enough that I've witnessed several crashes. 

Leave the one paying $750 for now and deal wit the kid IMO.

You'r right, a 30y term is going to require a future sale to have a much bigger discount, so it has it's drawbacks, and it can kill the deal to begin wit.

Truth is you can do a handshake contract with people with a witness and it is legal.

Real estate investments requires risk but you can manage the risk wit the proper systems in place. 

Neighborhoods just outside of Charlotte are witnessing similar appreciation % to Charlotte but achieving higher rent %.

I would hope that they don't sell the CA properties to take the cash with the step up basis - I think they've witnessed enough family members who aren't RE investors vs those are are and which ones are doing financially well. 

Lenders were giving loans solely based on FICO scores - and got burned because the score models were no where near robust enough.Coming from the mortgage industry and witnessing the carnage caused by the blind trust in credit scores, we've NEVER trusted scores.

I witnessed many a "Savvy" RE investor lose their shirts and everything else!