With much pain and deliberation, he tried to decide if he should proceed with the acquisition anyway.

I am an open book as well as a very receptive person, as well as patient and deliberate.  

So what I think you're asking is if some people deliberately under report their expenses in order to keep their DTI higher?  

(It's obvious at this point the debt service is greater than your net, but again, capex is a reserve not an actual expense YoY, and this example is deliberately a very mediocre set of numbers to illustrate the point).

Despite the fact we deliberately decided to do the work ourselves we still got bids on the work to use as a reference point. 

There are people who will deliberately do nothing during regular time so they can get that overtime pay.  

Are the banks holding these REO's deliberately keeping supply artificially low in the hopes that their toxic holdings end up booking some profit?

You've got to take some deliberate steps to get your feet wet.If money is a concern, then put in the hustle.

Our HUD house had a plumbing leak - three deliberate holes drilled in the bottom of a basement pipe, equally spaced one foot apart. 

@Eric Creager I'll play devil's advocate by saying that you *probably* don't need one, unless you plan on using it outside of your own investments or as a future realtor.First, you should deliberately evaluate your goals, strategy, and what will have the most value to you.