What other scenarios would my high bid premium come into play?The

If you have the cash and capital you might want to go where the competition is less just due to the capital requirements to play the game.

Other issues come into play, the length of time funds are used, the extent of improvements, the volume of business conducted by the borrower and the end use of funds may be considered to view the commercial nature of a loan.

If you really can't afford it due to bills, play the American game, bankruptcy, suffer for three years and move on, you can flip contracts without credit, use hard money lenders, maybe some seller financing if you must trash your credit.I don't see an excuse for being there, except the fear of getting out.

A lot of buyers will tell you straight up, to only contact them when you have exhausted other resources as they dont play the bidding war game, and trust me when I say, a lot of them done.

Basically, we want to convert our appreciation play into income play. The

Mostly because of the way I play the game.

At the end of the day, there are many different ways to play the game of real estate investing. 

I know it's not a home run but I dont want to play the analysis paralysis game anymore and would like to get some good education rolling.Thanks for your time!

And I could always change the sign to be slightly political in nature like "Vote with your wallet, sell me your house, etc." and play the 1st amendment card.