The problem with accepting $100K is twofold; first, I will have to give back $25K of borrowed money and if you know me, you'll know my philosophy on money is "When someone puts money in your hand, close it" as I pointed out in a previous landlording post here.

I am risk averse and have adopted a buy and hold philosophy primarily targeting students and professionals.  

I've really shaped my real estate approach to adapt to my investor first, and Broker second philosophy.

My philosophy so far has been cash-is-king, so my chase has been in securing cash flow.

Hey Account Closed You can read through my posts and check out my website if you want to get a general idea of our investment philosophy.  

As always  @Bill G. has some excellent points.My philosophy is very much like @John Thedford.

I agree on your wholesale philosophy completely.

This is where your investment philosophy comes in.  

Obviously there are many avenues I might still explore before I throw the first big check on the table for an investment property, but I've always been intrigued by the buy-and-hold philosophy as a means of long-term wealth building.  

Overall I've flipped one house so far (on the market now), and just approved a contractor bid for this auction property, so the work will start later this week.My personal philosophy is that it doesn't matter how much it costs to borrow the money, whether at 5%, 20%, or 50% interest/fees.