http://www.marketwatch.com/story/this-is-how-much-...We talk about all the derivatives in the bubble in 2008 causing a crash where people were betting on bets with no substance behind it.  

Once again, you didn't address the substance of the topic at hand, you simply started trolling.

The IRS is big on "substance over form."

But you have a substance argument if you can document that the 2nd was used only as the down payment for that property.If you've got a year it would be better to pay off the 2nd by putting a 2nd actually on the property you'll be selling. 

Of that 6%, a good majority of them involve substance abuse or dementia.  

I tend to go for substance over form in almost all of my life dealings (except for remodels, where it's both substance AND form).I once opened up a bank account with a 15,000 deposit while sitting in paint spattered clothing since I had just come from my latest project.  

In my opinion, however it is misleading/a major time waster for beginner investors, who are trying to soak up as much information as possible, to immediately jump into a seminar geared toward getting into their pockets more than providing actual substance to help learn. 

Lessee shall not allow any sweepings, rubbish, sand, rags, ashes or other substances to be thrown or deposited therein.

Isn't that a controlled substance in Utah where the OP is?

Not a lot of substance.