@Carlos Ptriawan Good idea on the cashier's check - but Bank of America plays the same game even on those now.

REI is a long term play, think decades.

The scenario you described is akin to playing the role of a lender and paying yourself the loan percentage—investors pay themselves much like how a bank or private hard money lending institution would handle it. 

Franchising played a huge role and many people became proud owners of McDonalds. 

There is no monthly fee, but they also charge a 3% transaction fee its more plug and play especially with speedqueen machines (IPSOs required tapping in to power lines and the wires from the coin reader).

Interesting to say I am French, therefore they could play and crook me.

As for my sleep patterns, I use an alarm clock that plays ocean sounds.

From what I'm seeing, it's a lot of people on here that don't have expertise in this market playing it down, and making broad sweeping generalizations that could apply to almost any market. 

Decide which game you want to play.

If you're planning on using traditional financing, your DTI will come into play.