Stock picking is gambling pure and simple. 

@LaTonya Clark “One  can’t tell but I do know part of me is willing to take a chance”…You make it sound as if real estate investing is no different than gambling….

Most gurus have their clients journey end the moment they send them the money, they join a facebook group - have overseas VA;s moderate it and provide some old videos that get repurposed.Those who are new and thinking they are creative typically get crushed as they are gambling not investing.

Cashflow is guaranteed, Appreciation is gambling, blah blah blah.

Until you get better clarity on those answers, you are more likely gambling instead of investing.

In any event, we can continue to disagree about this and I look forward to the SEC's opinion on it.Syndications are investments for multi millionaires with plenty of money to lose gambling on real estate.

So in reality you are ALWAYS gambling in the stock market, yes, even with those big names that seem inconceivable to every drop and ESPECIALLY with those because most are so shocked and in disbelief when it occurs that it's only realized after your left with pennies on the dollar because you waited out a recovery that was never coming. 3rd: MATH and leverage.     

You can't go to Vegas and expect to be reimbursed for your gambling losses.

A gamble on gambles of volatility moving certain ways in certain time windows..... 

And here is a PDF explaining it for both Fannie Mae and Freddie Mac: https://www.radian.com/-/media/Files/Enterprise/Training/QRG...Understanding Foreign Income Foreign income is defined as income earned by a borrower who is employed by a foreign corporation or a foreign government and is paid in foreign currency.