I get the temptation to wait and squeeze out a few more points, but honestly, I've done it both ways and the difference was pretty minor. With rates b...

I get why avalanche makes sense on paper, but honestly, the mental boost from snowballing smaller debts shouldn't be underestimated. I've seen people ...

I've seen similar results. Upgraded windows in an older rental property and barely noticed a dent in heating costs. My gut says insulation and HVAC ef...

Totally get your point about flexibility being worth a premium. I've seen investors chase the absolute lowest rate only to get stuck with rigid terms ...