Tax returns are critical to getting loans, and seed money is also important. 

But she said the seeds for the current lack of housing took root long ago, and more than one kind of garden tool will be needed to dig them out.

So really, that is what we are talking about here, as you mentioned, you could refinance to potentially pull out your seed money, so your ALL IN is minimal if any at all. 

They get dirt, cottonwood seeds, and other junk in them, which makes them less efficient. 

We don't have the state/fed gov backed push to increase home ownership that planted the seeds for sub prime/ NIJA/ No Doc loans.

Everyone who wants to pay half and get double can move right along...hahaThat being said, it's going to be the larger deals that give me enough commission to build seed capital for my own investments and ultimately free me from running my exhausting (but profitable) service business.

Left me seeds and crumbs on my new counters as a present.I've learned so much since then...lol.

It was clear we were selling it to him.. or her.. but they still have that deep seeded renter mentality.you have to remember us here on BP are versed in RE and to us what seems easy and logical to many who are clueless about how transactions work .. have no clue to the vocabulary etc.. it can happen.Again I think this 97.78 % is a tenant just squatting based on feedback but you never know. 

Tax the seeds and not the crops.

It plants a seed about passive income.