My belief is to  make low offers on properties that have some indicator they might accept a low offer.

Philosophy - what are the basic beliefs, values, aspirations, and ethical priorities7. self-concept - what are your major competitive advantage 8.

The common belief is that a bank acts as an intermediary between saver and borrower, and they make a little interest off the deal.

Understand too, most starting out in real estate out of high school with a few party years behind them have never been in business, much less management, they have never been exposed to business ethics (which has nothing to do with sleeping well or feeling you did right or your religious views).

I have the same problem with one of my tenants, they are religiously late but they pay late fee all the time.

I would much prefer a tenant who pays on time than one who pays late fees religiously. 

My point, it might not be worth the $200 if you have someone with a "righteous" belief they have been wronged. 

I have prepared my self by religiously watching and listening to the 3 different BP podcasts and I have started to read a few books on real estate.

church buildings are awesome. wanted to host non-profit events and meditations, exit strategy is either private sale or development in collaboration with an experienced religious building developer, conversion into upscale residential condos.

They purchase as a forecast negative cash flow with the belief that rents are rising fast enough that in a few years they will have positive cash flow and significant equity via market appreciation.