We love the historical looking houses, so not beachfront or anything.

Wrong location- many states are close to historical high values.

With historically high rates of default on home mortgages lenders are facing many more foreclosures than they have in the past.

If you do a little googling, you can find charts of historical housing prices.

I think blood is running in the streets homes for prospective buyers are selling for historically low prices.So, I have two questions for you:1.Will you preserve your principal (the money that you’re putting in?)

There are some decent places in these areas for reasonable prices, however many of them require serious rehabbing, and the problem you run into there is historical requirements.

Does some entity keep track of the historical adjustments of different institutions and their products?

Appreciation - I consider this icing on the cake, but property does historically appreciate over time.5.

:D Here in Australia, it's true that it's been historically difficult to get realtors to present an owner-financed deal to the vendors in such a way that it's likely to be accepted.

But I also refine my model every time I get new data, and one day I'll find that the 50% rule is actually the 48% rule (or the 45% rule, or whatever) for me, based on my economies of scale, my location, my costs, my network of professionals, etc.My only point is that experienced investors should trust *their own* numbers (including experience and historical data) more than the seller's, the realtor's, or even the 50% rule.I think where we are disagreeing is, if an investor were to come on this board and said, "I have 100 properties with average OE of 44%, and I'm looking for another 100 properties...what OE should I use for my future analysis?"