Follow that up with a cheese and wine bar such as Toast Wine Bar.

Our government gives them out like cheese!

I was born poor, I remember when food stamps were little coupons, I have eaten government cheese. 

My homes will be more like cottages--two parallel containers bridged by a glass box.  

., garage or cottage ( I don't).  

A whole cottage industry of independent auditors has built up over the years to review depository lender’s compliance with respect to SAR filings.

I have found a cute Cottage that has already had all the demo done. it is for sale by owner and they were listing possible owner financing. at 35000 I think this could be a dream situation to get in to.

I currently own a gorgeous antique cottage in SLC, UT that I've been holding for about 6 years.

But all that equity is just sitting around doing nothing for you (you can't exactly have an equity and cheese sandwich for lunch or anything).

Once you have 4-5 cottages in a line repainted, you start to see other houses being repainted shortly afterwards.But we have a very different outlook to you big investors, I get to know individual neighborhoods.