id be lying if I said I don’t have the crap scared out of me every time I do a deal .

Those are some big numbers..... that kind of stuff scares the crap out of me :)

Having investment properties but no "oh crap!"

Trouble is our market is flooded with cash investors on these, and the amount they pay to buy a piece of crap is often shocking.

I've been doing a crap ton of research but it seems extremely hard....

Crap!

The local banks push this crap because current CD payouts and savings is about 1% annually unless you are locking a ton of money for five years to get 1.75% which is nuts.

Where are we to believe you pull out much of the crap you spill out in the note forums?

This student loan debt was a necessity and I have done well from it, but it still bothers me to have balances that I owe future money with.What I recently discovered and was missing in that knowledge was the POSITIVE side of debt, specifically debt that you can qualify for, that you don't pay back (someone else pays it for you), as in real estate.It still scares the crap out of me though, and while I go back in forth in my mind all the time about debt, I just try to make sure I don't overextend myself, and I'm always thinking down the road. 

No reasoning for the low offer other than they want to throw a bunch of crap at the wall and see what sticks.