Also there was several kerosene heaters in there and the ceilings were black as a result. 

So I'm new here on BP (so I could be totally wrong about this) but I've been reading a lot of threads from different people asking questions and I have noticed that there is a difference between how "investors" answer questions and how "realtors or agents" answer questions.The Realtor answers tend to be straight down the line conventional and it's black and white and that's the way it is.The Investor answers tend to be somewhat creative, a little different, a lot of gray.I've been investing for years and I've dealt with a lot a agents in all shapes and sizes and skill levels.Knowing your agent and your agents personality is just as important as knowing the deal you're working on with them.I've had agents who made a dead deal a home run!

One can't theorize that "All swans are white" and then see an example of a black swan and still have the theory be valid.So when you say that it's rosy rosy rosy, if it can be shown that that doesn't hold true in regard to today's stock market, then the theory is distinctly about "real estate, love, birth, and death," but not stocks.

Even Jeremy Black who I am not sure is still with them.

Makes me realize that everything is not black and white, but there is that grey area.

@Eric Black, the situation is as such.

Hopefully I will get to the Black Diamond meeting that night too since it is not far from there!

I myself live in Black Rock, and work for an investment group so I'm buying homes all day with other people's money.

I don't believe THIS issue is black and white or consistent between lenders / banks.

Near you the best one to go to would the the Black Diamond event in Worcester, this is a great event to learn a wide array of topics and a great place to network with other local investors.