Troy,I'll give you my global overview on RE education.

Con's aside now...I would like the emphasis to be placed on the PRO's now...the ways in which will propel me forward along this already very difficult path...Randy....You make a GREAT point..

Overall, my goal is to have a good return on my money by keeping a house that I have made some instant equity in from the rehab, but I don't want to see my cash flow drop from $300 a month to negative $300 a month just due to a big corporation like Lloyd's, the Federal government, or global warming.

College diversity We live in an economy that is becoming more and more global each day.

We put very little emphasis on the appraisal and more emphasis on what the end buyer will actually pay for the property.

A local smaller bank that will keep the loan in house may work with you, but with Dodd Frank there is a heavy emphasis on Debt to Income ratio.I have never advised anyone to over leverage revolving debt (credit cards) because once you get up over 30% of limit you see a decline in score, over 50% and it really hammers.But try a small local bank.

We repeat some key points from the core rental agreement in the property rules as well, for emphasis and for ease of finding.Successful tenancies usually start with clear expectations communicated in writing and explained verbally.

On BP, there's an obsession with cash flow and de-emphasis of the balance sheet.

What does their overall global cash flow pictures look like?

Too much emphasis on one creates issues of motivation or an incentive to undermine the real goal.Are you paying incentives on contracts?