You can play tricks on the numbers to say x% per project, but if you are paying 9% in a year then that is what you are paying.

But, personally, I think Memphis is a far safer play than many out there.

If it was my client I would make a play for the EMD at a minimum because you are not being denied a loan.

Maybe start wearing dirty sneakers and jeans with paint on them when getting quotes and bringing your car in for service, see how that goes. ...just playfully thinking out loud here...Just curious, what is the year, make and model of your car you referenced about the brake repair?

I am playing around with a project, trying to decide if I want to go after it or not.

I chose the contractor and the adjuster played NO PART in the selection.

Yun says weather also played a role since last month was "the warmest February in decades."

So... putting the pieces together... to do a turn around play, which a brrr is, you need to make sure you can execute all the necessary steps.

Things get pretty scary playing with that much money via wiring, etc.

@Ryan Swanson you don't provide enough information to give you a meaningfull answer, but my concerns is that you are having fun playing with layouts and will see a negative return on investment.I assume this is a filp - first rule is: don't fix it if it's not broken.