The vacancy factor probably does not provide a significant risk to your financial health.

Things like health insurance.

Yes the insurance part of this is a dilemma.

Readers of this thread may want to check out the link at http://www.hsainsider.com/Individual/Benefits.aspx as they claim to be a leading authority on Health Savings Accounts.In answer to Brian, yes you do have to have a HDHP (high deductible health plan) to setup the HSA.

Seriously, I left the health care field in 2006 (was a critical care nurse for 20 years) and found that male nurses who wanted to climb the ladder into management did so at a greater pace than their female counter parts.

Finding Tenant Buyers FIRST (get a website just for Tenant Buyers) and go find a house they can afford (chicken and the egg dilemma) is my preferred approach.

I would have one you typed yourself and just have the seller sign it.Make it generic with the main point being that he or she cannot afford to make payments and is having personal health issues.I find banks are flexible with w2's and pay stubs if the hardship letter is dramatic enough.

Hey Colin, you know, I had the same dilemma.

It goes from Preconstruction houses at 120 percent of market value, to feeding kids in Africa for 99 a month with the promise of wealth, health and all that stuff, and of course the $7,000 course from guys who do not do real estate, with concepts that do not work in the real world

But that scenario vs selling is the dilemma.