[jhynesrockmtn]

I was for years, now I'm a debtor and a lender. I bought an apt. building with the assumption I'd get cashed out on another property I sold. That changed and now I'm carrying a 5% note on that deal and had to leverage my home for a down and take a loan to buy the building. I'm ok using debt on rental real estate when the cash flow works. At these rates (4.25% on a commercial loan) it makes sense. The plan is to pay it off when we get to the point of retirement.