I have no advice to give, but there are definitely a lot of gems in this post!

Thanks again for that gem.

To find the perfect deal for you might take some time so I would start looking and continue to stack you money so maybe by the time you find the gem you will have more towards 15K etc for your total expenses.

This is a GEM. 

This site is a gem and I'm thankful for all of the members who've shared their knowledge and experience to help out the community. 

at least for a cool place to live and work.. if you can make money in real estate thats just a huge bonus.. dont forget about Lake Chelan another gem that is not well known however one of the great spots in this country. 

It seems that Delaware is quiet due to the fact of hundreds of gems with no TAXES to carry.

We negotiated the short sale ourselves as agents and picked this gem up for $90,000. 

The banks know that these 30 year FRM (fixed rate mortgages) only factor interest monthly so paying extra like the above comment mentioned "does," save you interest but its only factored 12 times a year so instead of daily savings differenials you're waiting all the way till the next month for your lump sum payment of lets say $2000.00 to affect your amortization of your loan.The HOA product was originally started in Australia/UK and gradually came over but is still lesser known gem when used correctly.

Do you really think it is possible for every local investor to somehow have missed this gem of a deal?