There is the same in the city but be even more careful.Its a shame these people target others.  

The first place she lost to a higher offer that wasn't fha like hers was, and it was a shame because it was her absolute favorite property and she wanted it bad.

Lenders will also impute interest when you refinance at market rates, that is a seller concession, just as allowing rents going toward a purchase price......silly creative financed deals are always adjusted back to conventional norms, to the market to allow equity to be established, it is not what your schedule may indicate as to equity for the LTV, but will be the amount to be paid off and viewed again as to a LTV.Buying a property significantly over market value can also lead to tax problems for you, you have over valued an asset for depreciation, taking more than is allowed and can become a sham tax filing, now, you're cheating on taxes taking more depreciation than is allowed to a fair market value.

The current health care bill is all a sham.

The place is a sham and seems like the owner build additional rooms and bathroom to make room for renters, which are not being used.

A wise man I know once said that if he doesn't feel ashamed of himself when presenting an offer, it's too high.That said, your agent could be correct. 

I think it’s a shame really.We need more competition in the space.  

It is a shame to have so much cash tied up for so long... live and learn!

The thread seems to be a group of people who believe it's a sham, then the group of students/affiliates that swear by it.

Are these positions a bit of a sham or is it just a security blanket for new investors?