Author Topic: Mortgage Payment Club $75K : Starting current balance of $50K- $99K  (Read 62698 times)

Gardo

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Hi guys,

I'm looking for folks to share mortgage payment journey with similar situation. 

To be a member of the Club, which we can shorten to MPC075, the requirement is :

YOUR CURRENT MORTGAGE PRINCIPLE BALANCE MUST BE BETWEEN $50K-$99k.   

This gives Club members a better bonding experience as we belong in the same similar range of debt VS people who either have bigger or smaller debt.

The Required First Post should follow this pattern: 


Starting Mortgage Debt :  $ (must be between $50K-$99K)

Beginning Mortgage Debt This Month: $
Paid Mortgage Debt This Month :  $
Ending Mortgage Debt : $

****Descriptive Text *****



MangoAtPlay

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #1 on: March 25, 2017, 07:57:31 PM »
We started 2017 owing $56,000 and pay $2,000/month.

Starting Mortgage Debt:  $56,000

Beginning Mortgage Debt This Month:  $52,000
Paid Mortgage Debt This Month:  $2,000
Ending Mortgage Debt:  $50,000       

This mortgage and our VISA ($4,400) are our only debt.  Looking forward to getting both paid off!

KBecks

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #2 on: March 30, 2017, 04:25:45 PM »
Ok, this is my cohort.

Current mortgage balance, $70,390 after April payment.

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #3 on: April 02, 2017, 10:16:00 AM »
We started 2017 owing $56,000 and pay $2,000/month.

Starting Mortgage Debt:  $56,000

Beginning Mortgage Debt This Month:  $52,000
Paid Mortgage Debt This Month:  $2,000
Ending Mortgage Debt:  $50,000       

This mortgage and our VISA ($4,400) are our only debt.  Looking forward to getting both paid off!

Welcome to the Club.   Also ....
Congratulations and HAPPY Graduation!   You are our first Graduate here on this Club.    Feel free to join the Payoff club thread, if you haven't yet! 

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #4 on: April 02, 2017, 10:17:28 AM »
Ok, this is my cohort.

Current mortgage balance, $70,390 after April payment.

Glad you joined the Club!  Hoping to join you in about 2 months. :)

KBecks

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #5 on: April 20, 2017, 11:26:18 AM »
Ok, this is my cohort.

Current mortgage balance, $70,390 after April payment.
slight math error last time - here we go

BALANCE - $71,378.
Paying approx - $5,830.
NEW BALANCE approx - $65,548

**approx months to payoff -- 11**  target payoff month - March 2018.

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #6 on: June 22, 2017, 08:04:46 PM »
Well here I am, soon to be the NEWEST member of MPC075.  It is as privileged as we can get prior to the Payoff Club. 

Beginning Mortgage Debt This Month:  $100K
Paid Mortgage Debt This Month: $0K
Ending Mortgage Debt:  $100K


« Last Edit: June 22, 2017, 08:07:05 PM by Gardo »

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #7 on: June 28, 2017, 06:35:47 PM »
Well here I am, soon to be the NEWEST member of MPC075.  It is as privileged as we can get prior to the Payoff Club. 

Beginning Mortgage Debt This Month:  $100K
Paid Mortgage Debt This Month: $0K
Ending Mortgage Debt:  $100K

Hi guys, MADE IT! 

It's official.  I am now a Bona Fide member of the prestigious MPC075 Club!  Hope to gain friends here.

Beginning Mortgage Debt This Month:  $100K
Paid Mortgage Debt This Month: $1K
Ending Mortgage Debt:  $99K

Money Badger

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #8 on: July 09, 2017, 05:53:57 AM »
Just a bit over $101K, but on track to get below $100K in Aug... submitting my application to join this club soon!

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #9 on: July 21, 2017, 10:21:47 AM »
Hi guys, MADE IT! 

It's official.  I am now a Bona Fide member of the prestigious MPC075 Club!  Hope to gain friends here.

Beginning Mortgage Debt This Month:  $100K
Paid Mortgage Debt This Month: $1K
Ending Mortgage Debt:  $99K

Beginning Mortgage Debt This Month:  $99K
Paid Mortgage Debt This Month: $1K
Ending Mortgage Debt:  $98K

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #10 on: July 21, 2017, 10:22:22 AM »
Just a bit over $101K, but on track to get below $100K in Aug... submitting my application to join this club soon!

Application received! :)

sneekeestache

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #11 on: July 25, 2017, 04:27:22 PM »
I'd like to join.

Beginning of the year mortgage debt:  $86,309

Beginning Mortgage Debt This Month:  $81,454
Paid Mortgage Debt This Month: $728.33
Ending Mortgage Debt:  $80,726

We try to pay at least $1000 on the principal but just didn't make it for August's payment. We'll get it next month.

Imma

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #12 on: July 27, 2017, 03:15:28 PM »
I'm in!

Starting Mortgage Debt :  € 77.900

Beginning Mortgage Debt This Month: € 74.337,79
Paid Mortgage Debt This Month :  € 158,39
Ending Mortgage Debt : € 74.179.40

Purchase price of house: €79.500 (in 2015, when the economy was still recovering from the triple dip)
Current estimated value: €88.950 (massive housing boom and we own an affordable starter home in a childfriendly area)

Right now, we are paying only the regular monthly payments, but my partner and I have decided we'll start to pay extra on our mortgage soon. While we like to invest our money as well, we don't want to put all of our eggs in the same basket. Even though the interest is low, we feel we need the security of owning our home outright (eventually). We have a lower income than most people on this forum and we're from a low-income background, we have seen people lose their homes through accidents of life because they didn't pay off the mortgage while they could. That's what we want to avoid.

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #13 on: July 30, 2017, 09:25:41 PM »
Welcome sneekeestache and Imma to the prestigious MPC075.  Hope you enjoy your stay!

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #14 on: July 30, 2017, 09:27:09 PM »
Beginning Mortgage Debt This Month:  $99K
Paid Mortgage Debt This Month: $1K
Ending Mortgage Debt:  $98K

Beginning Mortgage Debt This Month:  $99K
Paid Mortgage Debt This Month: $2K
Ending Mortgage Debt:  $97K

gypsy79

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #15 on: July 31, 2017, 08:23:55 AM »
Starting Mortgage Debt: Made it to $94k on May 1

Beginning Mortgage Debt This Month: $86k
Paid Mortgage Debt This Month: $3k
Ending Mortgage Debt: $83k

This is our only debt--can't wait to pay it off!

Imma

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #16 on: July 31, 2017, 09:44:07 AM »
I'm in!

Starting Mortgage Debt :  € 77.900

Beginning Mortgage Debt This Month: € 74.337,79
Paid Mortgage Debt This Month :  € 158,39
Ending Mortgage Debt : € 74.179.40 

Made the regular payment for August today. We might do an extra payment later this month. 

Beginning Mortgage Debt This Month: € 74.179,40
Paid Mortgage Debt This Month :  € 158,68
Ending Mortgage Debt : € 74.020,72

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #17 on: August 16, 2017, 05:46:01 PM »
Starting Mortgage Debt: Made it to $94k on May 1

Beginning Mortgage Debt This Month: $86k
Paid Mortgage Debt This Month: $3k
Ending Mortgage Debt: $83k

This is our only debt--can't wait to pay it off!

gypsy79, Welcome to the Club!  Enjoy your stay!

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #18 on: August 16, 2017, 05:47:20 PM »
Beginning Mortgage Debt This Month:  $99K
Paid Mortgage Debt This Month: $2K
Ending Mortgage Debt:  $97K

Beginning Mortgage Debt This Month:  $97K
Paid Mortgage Debt This Month: $1K
Ending Mortgage Debt:  $96K

Bigjones

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #19 on: August 23, 2017, 12:13:52 PM »
Is this group very active?

Starting Mortgage Debt :  $72466.55

Beginning Mortgage Debt This Month: $72466.55
Paid Mortgage Debt This Bi Month Period :  $1495
Ending Mortgage Debt : $70991.55


Im unsure if i can keep this up by my intent is to pay $1400ish bi weekly on my mortgage and get this thing paid off ASAP.

Imma

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #20 on: August 24, 2017, 10:07:18 AM »
Is this group very active?

Starting Mortgage Debt :  $72466.55

Beginning Mortgage Debt This Month: $72466.55
Paid Mortgage Debt This Bi Month Period :  $1495
Ending Mortgage Debt : $70991.55


Im unsure if i can keep this up by my intent is to pay $1400ish bi weekly on my mortgage and get this thing paid off ASAP.

It's not very active as of yet, but I joined last month so we can make it active again!
I think many people on here would rather put money in investments rather than paying off a relatively small mortgage (compared to their income).

$2800 a month is an ambitious target! But good luck. Even when you don't make it to that $1400 every two weeks, all the money you put in is money you'll never have to pay interest for again.

Slow road to freedom

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #21 on: August 24, 2017, 10:35:44 AM »
How the exchange rate has equalised things, my '£' denomination is close enough, I think...

Starting mortgage debt @ now: £71,000
Payment due this month: £1,275

Balancing investment into tax free wrappers and trying to get rid of this mortgage. At present, pumping £4K+ each month into tax free savings, so this is taking a back seat...

Bigjones

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #22 on: August 24, 2017, 01:52:32 PM »
Very ambitious, and im not putting expectations on myself.  If i COULD keep it up, i could have this paid off in roughly 25-26months.  We will see what happens.




Is this group very active?

Starting Mortgage Debt :  $72466.55

Beginning Mortgage Debt This Month: $72466.55
Paid Mortgage Debt This Bi Month Period :  $1495
Ending Mortgage Debt : $70991.55


Im unsure if i can keep this up by my intent is to pay $1400ish bi weekly on my mortgage and get this thing paid off ASAP.

It's not very active as of yet, but I joined last month so we can make it active again!
I think many people on here would rather put money in investments rather than paying off a relatively small mortgage (compared to their income).

$2800 a month is an ambitious target! But good luck. Even when you don't make it to that $1400 every two weeks, all the money you put in is money you'll never have to pay interest for again.

KBecks

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #23 on: August 26, 2017, 09:05:18 AM »
July balance $57, 947
August Principal paydown $1067
August balance $56,880

We are going much slower due to reduced income and higher spending at home.  Still working on it though.  Is there an under $50k club?  We might join that around the New Year.  Hoping to increase income to pay down more.

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #24 on: August 30, 2017, 01:59:16 PM »
Please welcome our new members Bigjones and UKstu2017!  Hope you enjoy your stay to the MPC075 Club!

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #25 on: August 30, 2017, 02:00:49 PM »
It's not very active as of yet, but I joined last month so we can make it active again!
I think many people on here would rather put money in investments rather than paying off a relatively small mortgage (compared to their income).

That is a great way to put it Imma!

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #26 on: August 30, 2017, 02:03:20 PM »
Beginning Mortgage Debt This Month:  $97K
Paid Mortgage Debt This Month: $1K
Ending Mortgage Debt:  $96K

Beginning Mortgage Debt This Month:  $97K
Paid Mortgage Debt This Month: $2K
Ending Mortgage Debt:  $95K

Imma

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #27 on: September 03, 2017, 05:31:24 AM »
I'm in!

Starting Mortgage Debt :  € 77.900

Beginning Mortgage Debt This Month: € 74.337,79
Paid Mortgage Debt This Month :  € 158,39
Ending Mortgage Debt : € 74.179.40 

Made the regular payment for August today. We might do an extra payment later this month. 

Beginning Mortgage Debt This Month: € 74.179,40
Paid Mortgage Debt This Month :  € 158,68
Ending Mortgage Debt : € 74.020,72

The regular payment for September:

Beginning mortgage debt this month: €74.020.72
Paid mortgage debt this month: €158,98
Ending mortgage debt this month: €73.861.76

We didn't pay extra last month as we're in the process of refinancing our mortgage to a lower interest percentage. We currently pay 2,25% and we have an offer for 1,3%. We want to keep the monthly payment at the same level (€300) which means that we'll actually pay off about €35 more towards the principal every month. On top of that, once we've paid off a small tax debt we still have (in Dec) we'll put that money towards the mortgage too. All in all that means that from January we'll pay off double of what we pay off now.

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #28 on: September 03, 2017, 09:28:55 AM »
Beginning Mortgage Debt This Month:  $97K
Paid Mortgage Debt This Month: $2K
Ending Mortgage Debt:  $95K

Beginning Mortgage Debt This Month:  $95K
Paid Mortgage Debt This Month: $1K
Ending Mortgage Debt:  $94K

gypsy79

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #29 on: September 07, 2017, 02:25:35 PM »
Forgot to post on August 31.

Starting Mortgage Debt: Made it to $94k on May 1

Beginning Mortgage Debt This Month: $83k
Paid Mortgage Debt This Month: $4k
Ending Mortgage Debt: $79k

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #30 on: September 10, 2017, 09:23:26 AM »
Forgot to post on August 31.

Starting Mortgage Debt: Made it to $94k on May 1

Beginning Mortgage Debt This Month: $83k
Paid Mortgage Debt This Month: $4k
Ending Mortgage Debt: $79k

gypsy79 you're rockin it!

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #31 on: September 10, 2017, 09:25:13 AM »
Beginning Mortgage Debt This Month:  $95K
Paid Mortgage Debt This Month: $1K
Ending Mortgage Debt:  $94K

Beginning Mortgage Debt This Month:  $94K
Paid Mortgage Debt This Month: $1K
Ending Mortgage Debt:  $93K

gypsy79

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #32 on: September 11, 2017, 03:53:44 PM »

Bigjones

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #33 on: September 17, 2017, 08:54:25 AM »
Starting Mortgage Debt :  $72466.55

Beginning Mortgage Debt This Month: $70991.55
Paid Mortgage Debt This Bi Month Period :  $1272
Ending Mortgage Debt : $69719.55

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #34 on: September 26, 2017, 05:20:08 PM »
Beginning Mortgage Debt This Month:  $94K
Paid Mortgage Debt This Month: $1K
Ending Mortgage Debt:  $93K

Beginning Mortgage Debt This Month:  $94K
Paid Mortgage Debt This Month: $2K
Ending Mortgage Debt:  $92K

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #35 on: October 07, 2017, 11:31:01 AM »
Beginning Mortgage Debt This Month:  $94K
Paid Mortgage Debt This Month: $2K
Ending Mortgage Debt:  $92K
Beginning Mortgage Debt This Month:  $92K
Paid Mortgage Debt This Month: $1K
Ending Mortgage Debt:  $91K

Slow road to freedom

  • Bristles
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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #36 on: October 07, 2017, 12:20:19 PM »
Last mortgage payment takes our balance down to £68k. Making 'standard' payments to maximise amounts channelled into tax sheltered savings.

Still nice to see the number come down by £1.2k / month.

middo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #37 on: October 08, 2017, 01:33:08 AM »
Hi All,

Just joined, and we have a fairly ambitious target to pay down our mortgage on our primary residence by end of 2018.  (For those not in Australia, we get tax breaks on mortgages for investment, but not for our primary residence.)

Beginning mortgage debt this month: $82 000

Will update each month, as it will keep me honest (as will the printout of our trajectory on the fridge).


Cheers
middo

gypsy79

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #38 on: October 08, 2017, 10:36:14 AM »
Hello middo, welcome. My partner and I have an ambitious target as well and I am finding that posting here is keeping me on track.

Starting Mortgage Debt: Made it to $94k on May 1

Beginning Mortgage Debt This Month: $72k
Paid Mortgage Debt This Month: $8k (this sounds crazier than it is--our emergency fund was higher than it needed to be, so I took care of that problem, ha!)
Ending Mortgage Debt: $64k

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #39 on: October 24, 2017, 03:27:57 PM »
Hi All,

Just joined, and we have a fairly ambitious target to pay down our mortgage on our primary residence by end of 2018.  (For those not in Australia, we get tax breaks on mortgages for investment, but not for our primary residence.)

Beginning mortgage debt this month: $82 000

Will update each month, as it will keep me honest (as will the printout of our trajectory on the fridge).


Cheers
middo

Glad to have you middo and Welcome to the Club!  Hope you enjoy your stay.

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #40 on: October 24, 2017, 03:29:52 PM »
Beginning Mortgage Debt This Month:  $92K
Paid Mortgage Debt This Month: $1K
Ending Mortgage Debt:  $91K

Beginning Mortgage Debt This Month:  $92K
Paid Mortgage Debt This Month: $2K
Ending Mortgage Debt:  $90K

Imma

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #41 on: October 29, 2017, 05:10:36 AM »
I'm in!

Starting Mortgage Debt :  € 77.900

Beginning Mortgage Debt This Month: € 74.337,79
Paid Mortgage Debt This Month :  € 158,39
Ending Mortgage Debt : € 74.179.40 

Made the regular payment for August today. We might do an extra payment later this month. 

Beginning Mortgage Debt This Month: € 74.179,40
Paid Mortgage Debt This Month :  € 158,68
Ending Mortgage Debt : € 74.020,72

The regular payment for September:

Beginning mortgage debt this month: €74.020.72
Paid mortgage debt this month: €158,98
Ending mortgage debt this month: €73.861.76

We didn't pay extra last month as we're in the process of refinancing our mortgage to a lower interest percentage. We currently pay 2,25% and we have an offer for 1,3%. We want to keep the monthly payment at the same level (€300) which means that we'll actually pay off about €35 more towards the principal every month. On top of that, once we've paid off a small tax debt we still have (in Dec) we'll put that money towards the mortgage too. All in all that means that from January we'll pay off double of what we pay off now.

I see I forgot October! We're still working on the refinancing thing. The offer I mentioned above expired before we could complete the paperwork and the current offer isn't that good. We're making the last payment on that tax debt this month and are still planning to put that money towards the mortgage from next month.

Beginning mortgage debt September: €73.861.76
October payment: €159,28
November payment: €159,58
Ending mortgage debt this month: €73.542,91

middo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #42 on: October 31, 2017, 07:28:44 PM »
End of October update:

Beginning Mortgage Debt This Month:  $82 000
Paid Mortgage Debt This Month: $3 400
Ending Mortgage Debt:  $78 600

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #43 on: November 02, 2017, 03:58:18 AM »
Hi all - Been working on paying down our mortgage quickly over the past several years... Glad to join this thread - I love the motivation of reading about others' journeys.

Beginning Mortgage Amt: $86,800 (Jan 1/2017)
Paid Mortgage Debt this Month: $3,350
Ending Mortgage Debt: $63,400 (Oct 31/17)

Our goal is to pay the whole thing off by May/June 2019, at which point I will FIRE and my DH will SWAMI. We have no other debt whatsoever. Original mortgage amount was $281,000.

Welcome to the Club allsummerlong and what a very nice impact from $281K! 

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #44 on: November 02, 2017, 04:00:25 AM »
Beginning Mortgage Debt This Month:  $92K
Paid Mortgage Debt This Month: $2K
Ending Mortgage Debt:  $90K
Beginning Mortgage Debt This Month:  $90K
Paid Mortgage Debt This Month: $1K
Ending Mortgage Debt:  $89K

Gardo

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #45 on: November 03, 2017, 09:26:02 PM »
Beginning Mortgage Debt This Month:  $90K
Paid Mortgage Debt This Month: $1K
Ending Mortgage Debt:  $89K

Beginning Mortgage Debt This Month:  $90K
Paid Mortgage Debt This Month: $2K
Ending Mortgage Debt:  $88K

Slow road to freedom

  • Bristles
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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #46 on: November 04, 2017, 08:33:57 AM »
Start of month £68k
End of month £67k

Slow and steady

gypsy79

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #47 on: November 11, 2017, 12:14:41 PM »
Very nice, everyone. It is neat to watch everyone's balances go down, down, down.

I did not plan to send more than about $500 extra this time, but then got a bonus at work and was able to apply it. Things have been going so incredibly smoothly that I keep wondering when the other shoe is going to drop. Hopefully it will not drop until after the mortgage is paid off. ;-)

Starting Mortgage Debt: Made it to $94k on May 1

Beginning Mortgage Debt This Month: $64k
Paid Mortgage Debt This Month: $6k
Ending Mortgage Debt: $58k

sneekeestache

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #48 on: November 18, 2017, 04:39:25 PM »
Made the December payment today. Down to $77,000.

Greenback Reproduction Specialist

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Re: Mortgage Payment Club $75K : Starting current balance of $50K- $99K
« Reply #49 on: November 20, 2017, 03:25:22 PM »
Starting Mortgage Debt :  $101k

Beginning Mortgage Debt This Month: $60,300
Paid Mortgage Debt This Month :  $1,300
Ending Mortgage Debt : $59,000

We have had our mortgage since March 2016. At the current rate we should be paid off in ~45 months or sooner. The goal is to get it knocked out in about 36mo, then it becomes a cashflow cow of a rental.

 

Wow, a phone plan for fifteen bucks!