=P Here's what mortal men can do: Ask the caller: 1) What do you think the house would be worth if it was completely fixed and remodeled?

Let's see, the average age here is probably younger than half my age, at a discount rate of 10%, at current mortality rates the Pro account, as the present value, would be about $1,495.50, losing $478.92 as an average in present dollars to inflation over time, so Josh could consider a poultry sum $1,974.42, say $2,000.00 for the Super Duper Golden Advanced Pro Life Time Membership to start with.

I suspect the mortality rate of those that send out yellow letters is over 50% and probably closer to 80% ..

But, for us normal mortals. the only way we're going to buy a nice house at 60% is the owner is in serious financial distress - i.e., a super hurry.  

Right, when I was an insurance broker we had a saying, figures lie and liars figure. 94% of premium to the cash value, I'd say someone left out the admin costs, the agent's commission on renewal and the mortality risk! 

We don’t discuss mortality on here...cause it’s uncomfortable.