Pretend that I'm buying this property waaaaay under market for $85K, with no money down, no closing costs, and $10K of make-ready (out-of-pocket). 

But, pretending that’s true, neither she nor you would want to do any remodeling, as all that money would go to the bank, not you or the seller. 

Direct lenders and mortgage bankers are not fiduciaries, except when they lie and pretend to be a mortgage broker when they aren't (consumers don't know how to tell the difference, most Realtors don't either).

I can’t pretend to know what the future holds for higher education, but I know that it has been transformed a little.  

Pretend as if you are actually going to purchase the property yourself?

I'm a CPA too but i don't specialize in personal tax so i'm not going to pretend like i know what i'm talking about haha

You can do your roi any way you like...pretending you don’t live there is normal...or just add in what you Would be paying elsewhere. 

I know the numbers are not real, but let’s pretend they are real for simplicity of calculations.Let’s say you  convert it to Roth IRA, do you lose any of that money to taxes? 

In the great recession, government policy to extend and pretend was a bit late in coming but it was an important factor in the foreclosures subsiding and inventory receding. 

Pretend you are a renter and get the numbers that way.