Time heals all wounds.

@Carl Brownprayer helps in healing physical wounds but your sales skills in talking to sellers will make or break you.Subject areas that help you succeed in lease options and sub 2 are-Negotiating w home sellers, being a reluctant "buyer", reinforcing the sale-Mortg qualification w buyers (DTI, credit, income, etc)-marketing for great tenant buyers, high income, b- credit-getting realtors to refer you to their low equity sellersJoe has marketing down, there are other business skills that are critical tho. 

This could be the achilles heal of FNMA right now in their new book of business when there is a correction.

With our credit and cash healed sufficient to now look at hard money to bridge our gap of cash.

Making a move is great and time tends to heal most wounds in RE, but it can set you back many years.

Sounds like a great job for the kids... their bones heal faster, you know? 

I hope you are feeling better and your chin is all healed up.

It's like deciding you want to be a doctor and asking, "How do I diagnose and heal someone?" 

Nothing cures what ails ya like paint does.

A 100% cash purchase of a house in TO - either you're a well-healed young saver or the place is a shack ;-)You should be able to approach any lender to either refinance your house with a note and mortgage (up to 80% LTV depending on lender) or place a HELoC on the property (up to 65% LTV, but there are lenders who offer products which combine a traditional mortgage and HELoC to get you to an LTV of 75 - 80%)If you need the funds immediately, then you will generally be better served to place a mortgage (better interest rate).