But then again I know some people have ESA that are exotic animals and I am not sure where to draw the line. 

Exotic teaser mortgage deals will not come back to the hand-biters...certainly twice shy, and the memory is too painful.

Lots of great cars- new, experimental, exotic etc.

Everyone wants to relax in some exotic location and not work... what actually matters if you want to get there is making a plan, and having to education and knowledge to figure out how to get there.

@Brent Coombs  good points in my BRRR days when I was HML to CA buyers who were then BRRR and taking 10 to 20k cash out refis in 90 days of owning the home and retiring my HML ( loved it from my perspective LOL)  the investors would get this money and you would think they would pop It into their reserve accounts.. but I suspect many a boat... .exotic travel they they deserved, new car, clothes Jewerly etc etc was purchase with these funds... lack of reserves kills investors... this is a classic example

The only exotic part is a stainless or bronze circulator.An alternative, which I had done but have since replaced as it was noisy and had lots of standby loss, is a small boiler that also heats the domestic hot water using a indirect WH as a zone.

But on a more positive note I know that it has paid for a few luxury cruises and exotic vacations for my wife and I over the years.

They don't trust the stock market or other more exotic investment vehicles and don't want to fool with land-lording or the process of acquiring real estate etc...Trust is not a barrier and they see me as a vehicle for which they can make a good return on their money, of course understanding the normal risks.

It's tried and true and won't usually draw strong opinions from folks (like or dislike) like some of the more exotic materials do, which makes it a safe choice for a rehab.

After a long morning of selling $25,000 mentoring programs, dodging emails and phone calls from current mentees and scanning the business news for stories to add to my resume, I'm always faced with the difficult choice of which exotic cars and bikini models to use in the next marketing pamphlet.