I can see expecting rural Texas numbers in Chicago leading to disappointment... seems like pure ignorance on their part at best.

It is pure gambling unless you have a proven long-term near guaranteed Edge on the market.

It took into account servicing and battery replacement on the Tesla.

wthout numbers, this post is pure noise.

It is not pure investment - it is primarily insurance, but the tax benefits of the growth can’t be ignored. 

We will follow all current guidance which is purely an 8/52 factor. 

I will be returning home with a nice amount of money saved with the intention of investing it, however I will also need to get myself a car for obvious reasons. now my big dilemma is which route I should take to allow me the best start to my investing career, the way I see it these are my options.The numbers I will use are purely an example.Option A: I buy an older car outright for £5000 with no ongoing costs Option B: I pay a small deposit of £2000 on a new car and finance the rest at £300 a month for 48 months, owning the asset at the end.Option C: Lease a car for £350 a month with no upfront payment, and give the car back after 48 months and repeat. 

Its kind of amusing though I see a lot of HUDS.. and people really focus on the points.. but then the lender has 3k in junk fees and it turns out to be a 3 to 4 point loan if you add it all up anyway.. but they advertise low points.Bottom line though you simply cant stay in business as a HML without making 4 to 5k per file MINIMUM on up front fee's the interest is just a small delta as we all borrow from some facility or pay investors.. its not many HML that are loan their OWN CASH exclusively. but borrowers don't see it that way either.. they think the 10% or 12% is pure profit .. which of course is not the case.  

To expect that, however, is pure fantasy.

Remember what crashed: it was not the economy - it was the lending system that crashed with sub-prime loans, which had also lead to an over production of housing nobody needed and was pure speculative.