In the process of refinancing 2 of the rental houses this month. Both are currently on 30 year notes (20 years left and 24 years left) so moving them down to 15 year notes (both rates will move down 1% even after taking out some equity to build cash reserves). Projecting Debt-to-assets = 50% Legend:"Cash" = all cash less tax reserves "Bonds" = Personal Emergency Fund"Annuities" = Investment Property Savings (minus security deposits)"Other Assets" = Business IOU"Other Real Estate" = Investment Properties (current market values)"Other Mortgage" = Investment Property Mortgages |