Hi all, Just getting started here, experienced real estate investor since 2002 - land speculation and flipping - North Shore Oahu, Upstate New York and West Coast of Florida (2002 to 2005).

Bennet, do yourself a favor and stop speculating on what others, who you don't even know, may or may not do.

Clearly you would then be speculating on what the sale price will be which is fine.

"Run down, less appealing" areas are often where you find your profit for rentals.Nice houses in nice areas are speculative plays.

A determination that an assistance animal poses a direct threat of harm to others or would cause substantial physical damage to the property of others must be based on an individualized assessment that relies on objective evidence about the specific animal's actual conduct — not on mere speculation or fear about the types of harm or damage an animal may cause and not on evidence about harm or damage that other animals have caused.However, according to the Pet Ownership for the Elderly and Persons With Disabilities final rule by HUD you do not have to make an accommodation if the dog "pose[s] an undue financial and administrative burden."

Are you sure you are not overly speculating on your ARV?

I speculate that is because they don't want future liability from a client who declines title insurance and has a future problem.Also HUD will not allow a closing to occur at an closing agent who is not on their approved list, which requires current licensing and errors and ommsions insurance.

Prices kept going up, up, up and up and we were building new houses and condos all over the place, many built to sell mostly to speculators, not people who were actually going to live there and on top of all of that, much of it was being paid for by these INSANE mortgages where someone with rotten credit could just claim they made whatever amount of income and/or owned whatever amount of assets, didn't even have to show any proof of it and would walk out with a mortgage, assuming of course they'd pay a higher interest rate!

It doesn't happen.It's all about speculation and there was a front page article about this going on in my local paper.

I think they are speculating on prices going up sooner than they actually will.