It's not normal, it's artificial.

DP does lower the mortgage however you are buying what amounts to artificial cash flow at a very high premium.If a mortgage is at 4% then you are only saving 4% by paying down.

I use in in my rental properties for flooring, concrete, artificial grass, etc. 

Many areas see placing an artificially manipulated lien on real estate as filing a false lien.

It has been artificially stalled, but the correction will complete like it has for every commodity market man has ever created and real estate will revert to its historical mean.

Originally posted by Ben Kevan:... purchases of the bottom side are hard to get (FBI just ran through our sheriffs auctions and will hopefully put an end to the price fixing that's been going on)....You do realize that the bid rigging at those foreclosures kept the prices artificially LOW - so expect that future prices might actually be higher at the foreclosure auctions ...See link on this (and my comments) in the thread below:http://www.biggerpockets.com/forums/41/topics/59549-foreclosure-auction

Dr) 175.00 LOCKS Replace key 5.00 Replace door lock 47.00 Replace passage doorlock 28.00 Replace deadbolt lock 47.00 GENERAL REPAIRS Replace refrigerator shelf 25.00 Replace stove/oven knob 16.00 Repair ceramic tile 150.00 Replace countertop 275.00 Replace cutting board 40.00 Replace kit/bath cabinet knobs 10.00 Replace mirror 45.00 Replace medicine cabinet 85.00 Replace towel bar 22.00 Replace tub/shower enclosure 195.00 Re-grout bath/shower tiles 165.00 Repair porcelain 135.00 Replace thermostat 75.00 Replace fire extinguisher 35.00 Remove junk and debris 250.00 Replace doorbell button 5.00 Replace doorbell unit 50.00 Replace Garage door (each) 525.00 GROUNDS / EXTERIOR Major yard Cleanup 425.00 Minor yard Cleanup 225.00 Mow lawn front and back 50.00 Clean gutters 185.00 Trim bushes 20.00 EXTERMINATING Exterminate for cockroaches 550.00 Exterminate for fleas 375.00 

Title companies are only concerned with the appearance of fraud which is illegal whereby investers get together to artificially increase the perceived value of a property by rapidly reselling property in order to mortgage it to the hilt and then walk away.

He then went on to explain that he has "all kinds of problems" and takes "a lot of medicine" and that I should "only call him before about 4pm".

Also The Creative Destruction of Medicine.