@Joey Chalhoub This decision should be read narrowly to address statutory frameworks such as MN where state law permits it to take property to satisfy real estate taxes/penalties/interest, sell it, and keep any surplus outright.

I do have reserves to cover contingencies.Let's just say, I'm satisfied with those numbers.Had I had to use a bank, I would have had to put down 20% for $33,000, plus closing and my payment on the remaining would be $1400 PITI including HOA. 

Quote from @Gregory Schwartz: A local agent recently got sued for calling an old client who was on the Do Not Call list.

A great deal of accountants work with out of state clients.

I have several clients who live overseas and when these guidelines were updated, we had to switch their financing strategies quite a bit. 

If your clients/or yourself put the time into learning and figuring out a niche in the RE world that excites you, start looking for deals that make sense and always run the numbers.

A JWB client purchased this home on 8/30/2024.

This also helps with tax planning so clients aren't blindsided.The tools/software that clients use is as varied as the clients themselves. 

Now, you don't need hundreds, or even A hundred clients to achieve your goals.

This would satisfy your retirement desire.