No. of Recommendations: 2
Hi, altroemeria

Agreed. I know those figures taken out of context look frightening, and it's a lot lower than I like to see it. I do desire to bring it up. However, you need to understand that I have about $4,000 p/month in free cash flow between my personal and rental accounts (and that's after setting aside maintenance/vacancy/min mortgage payment). So in the case of an emergency, I would not apply the $3,400.00 (or whatever portion of it) toward the accelerated payoff and dip into the rental cash if necessary.

That's the basic reason I'm not too afraid to keep the balance on the low side while accelerating the payoff. Thanks for the observation and giving me a chance to clarify.

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