Hmmm...so odd that one does what ones thinks is right, and works hard, doesn't drink/break laws/gamble, college/4.0 g.p.a. advanced degrees, feeds the coffers of the mortgage lending profiteers and at church, and there is still no hope for any quality of life above rat-in-a-wheel slavery, and should be grateful to be able to do it...just seems really odd, somewhat inhumane.

The thrill I get from working a deal is like a drug.

We're thrilled.

However, I think speculation is more of a "gamble" then the cash flow model.

You need to bring yourself to a point where, you feel like you're doing investors a MASSIVE DISSERVICE by not letting them by contracts from you.If you don't believe me, please suspend your disbelief for just 1 or 2 meetings and "Check out" whether or not it works, you'll be thrilled, I promise.I'll give you one more example before I gotta roll....I stopped going to REI meetings for over a year because I already had a line up of buyers a mile long, but one Friday I decided to attend their weekly breakfast meeting to drum up more clients for the Realtor side of my business..

I enjoy the thrill of the deal, and working with investors of all sizes to find exactly what they are looking for.

Let's say I get a $100 option on the property, up and get an inspection for another $350, I'm only gambling $450 now.

First, I'm pretty sure I've made more money in a casino than you've ever even gambled.

It is hard to stay on topic when one trick posters enter the thread, and try to hijack it to politics and religion as he always does, imo....Rich Rich,You're quite welcome.Although I am not so thrilled about the "off topic" forums, they exist for just the sort of discussion that has been presented in this thread with a big chunk of the posts prior to the one I placed to try to get back on topic.

I have asked around about financing, and so far the best I can find is 20% down, 6.75% on a 25-year loan with a 15-year balloon (so I would probably pay it off in 15 years because I don't like to gamble).