We’re currently learning the art of Wholesale Real Estate awhile master planning and building a 6 Figure Real Estate Empire.

Work on yourself, build an empire and if the relationship leads to marriage, then discuss about debt and how to approach it then.

Its amazing how well some of them have built their RE empires surrounded by systems to reduce their participation.

My perspective is that disproportionately less people in Orange County will have a "right time" than a similar cohort in the Inland Empire or the South Side of Chicago.

In our older Queen Anne, Second Empire and Victorian vintage properties trim is frequently finished with shellac (or since coated w/ urethane), but where it is painted, the period calls for high-gloss.

Trump has a massive real estate empire and has had many many LLCs declare bankruptcy even though he could in fact clearly afford to pay off every debt that he has promised to repay. 

I don't have any empirical data for you, but for what its worth, the guy that does the "RentPrep for Landlords" podcast, Andrew Schultz, seems at least ethical. 

Check out Inland Empire Real Estate Network Group on BiggerPockets and join us.

And in my experience, I've never met an appraiser who has seemed bothered by this, and I've only had one appraisal come in low after doing this, so empirically, it works for me.That said, I completely agree with Jack and Bill -- if the appraisal does come in low, arguing with the appraiser (or even just calling to speak with him about it) is unlikely to get you anywhere, and could just make the situation even more unfixable.If you get a low appraisal and you think you can justify a higher value, work directly through the broker/lender/underwriter to try to get it changed.

I will put on my retirement conservative hat and keep it close to the vest.. no need to go out and build a 50 million dollar real estate empire like I did before 08 only to just about die in the crash..