I tend to only recommend that if you are local and can be super hands on to run a tight ship. 

You can find "Guaranteed Credit" at www.Half.Com for less than $5 including shipping, and even the 1995 version should be of a lot of help because of the links it has to updated sites such as the Fair Credit Reporting Act.

Since that ship has sailed, I'd go into settings and make it so your last name doesn't show.

I then needed to sell two of our old triplexes, pay taxes, and pay off our house line of credit.I switched my employment between dealerships in my town in this ship wrecked economy which began in 2008 and cut my paycheck in half in car sales.

All of us are on the way up together, a rising tide lifts all ships!

Is the owner retiring or otherwise getting out of REI or is he/she jumping ship?

If your ship doesn't come in, swim out to it!

I say order them with fast shipping and be done with it.

I work and live on a cruise ship currently making a modest paycheck but with absolutely no expenses, so it's easy to save quickly. 

I had to borrow against my equity via a HELOC to keep the ship afloat, and when the market decreased the prices and my inflated equity dried up...Well, let's just say it was not pretty.So I can believe that you have done all your due diligence in outlining the numbers and analyzing the deal, and like you say, since you don't need to do a deal just because you want one, why not pass and continue to look for an investment that works for you financially and personally?