Now if you are justifying your low ROI on future prices-then that's called speculation and that's fine if that's your business model.

Both flipping and building spec homes are a businesses that some bankers will shy away from because there is substantial speculative risk.

This isn't for everyone as you need reserves and it's a bit speculative as you're just holding longer for appreciation and increased market rents.

BUT, the unfortunate part there is speculation.

Pure speculation, never heard of such stuff.

Was it shown as a premium, as a spread under ARM requirements, how did you disclose the compensation, my bet on speculation is that there is no disclosure as to a dollar amount.

I don't want to speculate on legality or false advertisement, but man, that does look awful.

Call them speculators if you will) game in my mind, unless of course it's forced appreciation caused by repairs and other improvements you've made.

But remember-whatever quote you get, add 10-20% in the "just in case" reserves, and more time than they estimate, because major rehabs almost always go over budget and over schedule-which means vacancy and no rental income coming in.Updated units would possibly mean higher rents, but I make a policy to never purchase property based on speculated rent-only on its current performance, and give consideration to potential rent increases.

After acquiring my knowledge in technical analysis, I realized all I was doing is speculating on bar movements in a chart.