To tweek that with other answers, it's "non-aerning assets" Your earning assets make a contribution to your net worth, either from cash flow or appreciation.I'll pose this question to ponder; what about debt on depreciating assets that contribute to your ability to conduct business?

This practice by banks will contribute to keeping the jobless rate numbers high until banks loosen their lending restraints.

At least with your 20% down payment you should be able to get out now without contributing more money.

I look forward to working and contributing to the community.

I hope I can contribute here.Don Roberts

Jon, Yoshio, everyone who has contributed to this thread, thank you all for your input and time.

Just trying to take it all in for now....hope to be able to contribute at some point.

If you are straight with the Home Owner, show him the numbers, and have him "share in the negative" by contributing a few hundred a month to the neg cash flow deal, then the Home Owner can win by having 80 - 90% of the cash flow paid for.

If we accept their offer why on earth should we give him 3% ($24K) of our home’s equity for contributing nothing whatsoever?

:wink: It is great to hear that in return for your contributions to the site, you've gotten a lot back in return.