Dana, buying a house or a car is fairly elastic, and a rental lease is not a loan. 

thanks.Now the challenge is to talk my wife into selling her car lolmy car is paid off in a few months.

They say the windshield on a car is six feet wide and the rear view mirror is 6 inches wide for a reason. 

Originally posted by @Dave Vogt:I too feel like you with the amazing ability to retain sometimes useless information and have a partner that often reminds me that as someone with such a great memory it's relatively pointless unless you can remember where you set down your keys....Dave: That one's easy ... keys are probably on the top of the car (I set too many things on the top of the car) or, like yesterday, hanging in the front door of the house ;-)

Most banks will not loan more than 75% LTV on 2-4unit houses, as they follow the Fannie/Freddie Mac guidelines.In order to do it with less money down, your going to have to look into creative financing, maybe seller caries a second mortgage, maybe you use the buy something that requires renovation and then refi to get some of your cash our (cash out refi's on 2-4 unit houses are typically max 70% LTV).Sorry to tell you, but you will need sizable down payments if you are using conventional bank financing.

Wow, seller finance discussion needs a lot of information about consider ion, current loans and liens if any, why seller wants to sell, location attractiveness, etcIt's like, I got a car I want to sell, wanna buy it?

That's a lot but the advice I can give you is to purchase the cars and sell them online, less overhead that way or you can wholesale them to mom and pop dealers and make a few thousand bucks per car, I do it all the time with both houses and cars.

I can sit down in a car, I can drive and I can even find a house that is wrecked - potential deal.

That is straight forward enough, but what about other expenses, i.e. a company car?  I

I saved 600$ a month for a year with no car. I