I just got out of college and played football during my time.

(But if not, I suggest: don't count on the 100% hypothetical/fantasy.)But I agree that when you want to re-finance (or use the "Delayed Financing Exception"), then sure, you hope your deal was such a bargain that the Lender's subsequent appraisal will see their 70% LTV actually cover all your initial outlay!...

The worst thing you could do is play into his fantasy world where he is a victim.The sharing economy offers countless financial opportunities that don't even tie you geographically or require a traditional W2.

Just like football, baseball and basketball - or any business you see when driving around - teamwork is very real, very rewarding and very profitable.It creates winners.

All other suburb schools are 7a(highest classification).Friday night on espn2 will be a football game between 2 suburbs of Birmingham.

I've thrown out more football schedule magnets and expensive client entertainment coupon booklets than I can even count because they expired.

We have the ocean, mountains - you can swim and ski in the same day, all type of food and culture, MTV, Yahoo, Tesla, Space X, Ratheon, Amazon, SnapCat, Yahoo, Google - too many tech companies to list, Silicone Valley, Silicone Beach, two pro football teams, Olympics coming within a decade, hikes and amazing scenery, Hollywood, USC, UCLA, and amazing weather, LA San Diego, Santa Barbara, SF Bay.

Former collegiate football player and college dropout.

Sure, more cashflow would be nice, but I will take a single all day rather than sit on the sidelines watching for the ultimately awesome deal that may just be a fantasy. 

It's all a fantasy.