Relying on appreciation alone to make money is just as good as speculation or gambling in my book.

@Mian Rizwan yes it’s possible to do negative gearing however you need to have the cash to support it for 20 years.It’s also a bit of a speculative gamble as you do not know if the appreciation will be what you want.  

Putting hard money down on Day 1 is foolish, and no better than gambling.

@James Wise Which I understand is a gamble. will probably just wait on a 3-4 unit and house hack with the Va loan when the right deal comes up.

U cannot understand the risk in some of the mid west deep south north east without going there and seeing for yourself.but if you simply want SFR's every city has a median price point.. we have one here in our area for SFR which is closer to 350 to 400k but like say INday for instance its 130k.. you buy at the median and your buying were homeowners are buying and some investors. you buy at 75k and your in an area that ONLY investors buy in.. and your values will ONLY be worth what the cash flow is. its all about balance.. risk reward.. and of course I don't subscribe to the cash flow is the only thing and appreciation is gambling NOT at all. 

So now I mostly hold SPY and "gamble" on some individual stocks.

Some of these strategies are effective however in getting creditors to settle for less to avoid the time, hassle and expense associated with unraveling the asset protection device.Finally, the reason that transferring asset ownership to a friend, selling your assets for 25C on the dollar to your brother, selling your assets to someone and receiving an annuity in exchange, do not work is because they will be considered by a court to be a fraudulent transfer.  

You never know, but with the info you told me it feels like less of a gamble.

Also on another topic, i highly doubt the homestead exemption is the same set of rules in 1 year.All that being said, to be clear, you think that taking roughly $130k now would be better than gambling that in 20 years, i could take $700k?

If their is no cash flow then you are just gambling and it’s all just wishful thinking of the uncertainty of the future.