I avoid the area like a plague any more, which is a shame because there's a few things I do like down there like the car museum and the aquarium and there's a great custard ice cream place, but I'm not going to drive an hour and then fight the ridiculous traffic for that stuff. 

It is no different than if Dairy Queen released a "news article" saying study finds eating ice cream on hot days is great for preventing heat stroke. 

FYI for those not doing an amortization schedule calculation to see what I am talking about, paying bi-weekly vs monthly results in shaving off 5+ years from a 30yr mortgage.

Maybe some things that might be needed specifically in your property (think sunscreen and aloe if you have a beach or lake house, or burn cream if you have a fire pit). 

If a PM wants to shave more income off an owner then it should clearly say so in the management agreement how and when.If that’s not normal, then consider me weird. 

There was one investor who took short term 3 year debt so he could shave 30 basis points off the rate versus the 10 year fixed.

In my short experience and from everything i've read the cream, always rises to the top regardless of the economy.

Also curious what your DTI (debt-to-income ratio) looks like — sometimes lenders stack extra fees if the DTI is tight.FWIW, at Tomo we don’t charge origination fees, so that could shave a couple thousand off right away if you want to compare offers.  

I will shave if the prophecy is true and when it is fulfilled🫡 I hope to see you get out there and fulfill your destiny.

Those in their 20's , 30's and even 40's have a hard time with housing expenses .