I have never held a mortgage 15 years (or even 12.5 years) and I have had quite a few mortgages.I claim that it is better to have the negative cash flow and use the $450k to achieve a return in excess of the 6%.  

But I guess to answer your question, I find people who are going to foreclosure.

So I'm good at finding people.

I think there is a good mix of people there. 

Imagine what your life would look like if you had held onto all that real estate from 20-30 years ago.

People always say there's no value but that's not for you to determine.

That’s why I try so hard to explain to people I meet every day the benefits.

Here are some of my initial thoughts that has pretty well held solid and possibly even become more solidified. 

Mass deportation of 11 million people is unlikely.  

The buyers I resonated with, who I believed in as operators–those were the people I was willing to be flexible with.