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Do you have taxes and insurance impounded?

I am not a fan of impound accounts and the lender I am working with does not require that I do so on non-owner occupied loans.  I understand the eease but prefer to manage my own cash.  What do you do?

I prefer to have my mortgages escrow for taxes and insurance, to reduce the number of things I have to worry about. It also helps to make my cash flow more transparent.
Thanks Brian. I am a CFO by occupation so I accrue anyway.  Conceptually I just have a problem paying for insurance and or taxes in advance and then pay monthly in advance for next years expense.  I reduce my closing costs but do have to make sure I have the funds to pay the bills when they come due again.    BTW - where are you in CA.  I live in the Silicon Valley but my investments are in AZ.
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