If you genuinely feel bad then take money out of your own pocket and give it to them as charity but lets not further perpetuate the culture of entitlement that pervades much of this country. 

Again, happy to schedule a call to discuss our capabilities with you thoroughly so you may understand what we do and why we are so successful.Our utmost concern is always addressing any misleading information that is being perpetuated online mitigated through verifiable data and facts.

To me, investing is buying a property and getting residual & possibly perpetual income from it.

And that same tone is perpetuated throughout this whole forum.

Ironic that Joe Soap is held accountable but our banking executives who helped perpetuate the biggest ponzi scheme this country has ever seen aren't.

Investment was back in my pocket after 3 years of renting and now it's perpetual income.

Lenders know this is true and they perpetuate the issue by continuing to lend (because that's what they are in the business of doing).

You even go so far as to think and act like someone who fits that stereotype.

I was only pointing out that the reality of these techniques is quite different than they appear in seminars and bootcamps.Let's be clear about this "WIN-WIN" concept that is perpetuated by some of the gurus.

Right the MMI on FHa is now for life if you put less than 10% down but realistically only maybe 2% of people using FHA put more than 3.5% down unless its for a strategic reason.If you have superb credit I would recommend you use 5% down payment and payoff the MI through whats called single premium lender paid mortgage insurance this is done by raising the rate high enough to absorb the mortgage insurance for instance instead of 4.75% you can opt for 5.125% and it will pay for the MI off for the rest of the life of the loan, or you can keep 4.75% but pay the SPMI in cash, or pay the stereotypical method of monthly mortgage insurance.If you're going from FHA to FHa refi thats a different story (streamline FHA refi).