If you aren't saddled with kids, school districts, etc. you can use a pretty sweet strategy:Buy a place with VA loan.

Your outside agreement with them should cover all contingencies without saddling them with the loan.

I would recommend finishing school, unless it's saddle you with 80-100k debt.

However, if you do on the "wrong side of the tracks" you're saddled with the mortgage for the next ___ years.  

We generally use the Saddle color for those homes where we want a darker floor and the Red Oak where we want a lighter floor. 

My poor choice of a GC was the ultimate in the line of bad decisions, all these things all played integral roles to what had the potential to be a very attractive investment and turning into one that left me saddled with debt after and self doubt after the deal completion.At any rate I learned so many invaluable lessons through the whole thing.

No reason to saddle both of your available credit and loan limits if not necessary.  

I know we're saddling ourselves with a much higher loan amount and the rate would go from 3.75 to 3.87 but we would be getting about $80,000 out of it.  

The bribed appraiser appraises it at $200K,  person #2 is now saddled with a $160K mortgage, it fake cash-flows as long as the shill renter pays rent.  

The cost of flood insurance shot that deal right out of the saddle!!