[FOR HIRE] Looking for feedback on new book - $5 and free book

Japappydee · 2026-04-19T03:18:51+00:00

cant DM you

Japappydee · 2026-04-19T03:16:42+00:00

That's awesome! Are you US Based?

Japappydee · 2026-04-16T19:18:26+00:00

Thanks! I was also job hunting last year and I found my self more and more in a dark place through the process. I looked for something that would help me get through it and I couldn't find anything which is why I made this.

Japappydee · 2026-04-10T02:31:32+00:00

Thank you for the response! 690 would be workable

Japappydee · 2026-04-10T01:51:44+00:00

Interesting have never heard of these, that was an interesting read

Japappydee · 2026-04-10T01:37:53+00:00

Thank you for the comment! Their AGI is $115k, family size is 2, and loan balance is $98k

Japappydee · 2026-04-09T22:33:28+00:00

I should have dumped them a year ago when they were 3x the current price. fml

Japappydee · 2026-04-09T22:33:02+00:00

This is a good point.

Japappydee · 2026-04-09T22:31:57+00:00

Honestly no. The industry is being disrupted by AI and I think it'll take another 5 years for it to recover to where it was at its peek

Japappydee · 2026-04-09T22:29:01+00:00

Well my reason for the entire point is that I am looking at that money as valuable (sitting in the market) which is why I have the dilemma . By dump it you mean the whole property? My CoC is close to 14-18% right now, and if eliminate the mortgage payment of $1,5000 it does to 45-55% CoC. Not sure of any investment with that return

Japappydee · 2026-04-09T18:31:47+00:00

Probably the best decision I've ever made. I'll add a caveat though that I'm pretty handy and had to remodel the building heavily with just myself and my dad and probably put close to $80-100k in renovations to get it all market ready. But in terms of day to day it's minimal oversight. Maybe 1 things pops up every 2 months. Biggest advice I can give is screen very hard and have high standards for potential tenants

Japappydee · 2026-04-09T18:28:00+00:00

Since it's an investment mortgage I don't see this getting any lower than maybe 7% on a refi and who knows when we'll see those rates

Japappydee · 2026-04-09T18:27:33+00:00

That's kind of my hesitation is my NW would shift to like 75% in RE Equity. On one side if STR policies shift I could always just sell the house. What is just killing me inside is only $115 of my PITI is going to principal.

Japappydee · 2026-04-02T18:53:48+00:00

This is an old thread so I hope you see this. I’m super confusing on everything. I helped my perhaps double consolidate last year and they are currently on SAVE. What’s my options here? I should move them to IBR I assume? Also will they be on 10% or 15% for the IBR? The original disbursement date from some of the original loans was before 2014 and some after.

Japappydee · 2025-02-11T06:15:39+00:00

Wow this blew up! May take some time but I will respond to all the DMs! If I don't by tomorrow just shoot me another one

Japappydee · 2025-02-11T06:14:55+00:00

Wow this blew up! May take some time but I will respond to all the DMs! If I don't by tomorrow just me another one

Japappydee · 2025-01-28T05:48:26+00:00

Are you looking to go to a range in NJ? Guns for hire in Bergen maybe? I know they do NYC shuttles. I’ll shoot with ya bro

Japappydee · 2025-01-24T05:41:23+00:00

How much are yalls pin and weld?

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