Hi @Bryan VincentI used granite called Fantasy BrownFor Flooring I used Laminate from Lowe's

People often talk about "no money down" but in reality it is a fantasy.  

The fantasy out there is that with a fast and superficial education and limited experience, a note investor will be able to identify, find and negotiate the purchase of notes at a “discount” to market value.  

Our ultimate goal is to generate enough passive income to quit our jobs and travel with our kids whenever we want (WITH a nanny of course... that's part of my fantasy). 

See if they are using actuals or projections (actuals = reality, projections = fantasy. 

To do this I need to submit a fantasy of a rehab estimate without being able to get into the building.

Yeah I know fantasy land, keep reading.Cash out REFI is 93,750I get my 45K back because I said so.Dude get's his 5K back.I get my 15K in reno costs back.I realize I haven't discussed operating costs while unoccupied, just consider that in the reno costs.That leaves 28,750 on the table.Investor get's 10% of that right?

Anna  EXACTLY HUGE difference with no money or fully levered transactions .. and someone trying to do real estate with no finances or working capital.. keep in mind its the gurus and book sellers that talk about how you can do deals with no money and OPM.. and this happens for sure.. but usually for people that have working capital and understand the basics of real estate transactions.the wholesaling gig where folks think this is the way to break into the business is just fantasy..maybe bird dogging.. were your just talking and trying to refer people to others who can actually transact.

From the research that I've done (mind you, I'm still pretty new - so I understand my research may be a fantasy land!)

The belief that the IRS will accept a few hundred dollars for the removal of a lien in which significant equity exists is based on a fantasy of urban myths or examples in which very unusual circumstances existed.In most cases, after a long drawn out process, the IRS may accept less than face value of the lien if the property sells for somewhere in the general range of its appraised value.