Good luck on your new adventure, Determination – its the key to all human success.

It's the human element.

We human tend to take the path of least resistance.

Basically, the best deals come out of situations where human suffering is at maximum and someone is in a desperate haze to get out of some terrible situation, which makes them unable to take advantage of the regular market.

Real estate is a necessity for society, it is not a luxury item, (can be) but in fills a basic human needs. 

This caused me a loss of about $10,000.I am a highly religious man that tries to operate honestly and fairly in all interaction (I am human and do make mistakes).

If I reduce rent by $75 a unit per month, while reducing costs by $100 per unit per month, human nature would be to do everything they can to keep their heating costs below that $75 that I just put back into their pocket.

Fannie and Freddie can't handle non-human owners, so that's out.

I currently live in a situation where utilities are included, but after paying my own for a while, and just being a mature responsible human being, I still turn the lights off, don't jack up the heat, etc.

But, due to the nature of my work I'm very aware of the dark side of human nature and I never allow it in.