Also when they file BK they breathe a sigh of relief and do not want to sell until they lose that protection.

Breath.

I want to know if using a below program like RYM is worth it. the only reason i would even consider this is if they give bank names particularly for me in NJ, at good terms. iam trying to really accelerate my payoff so that i can breathe easy. any suggestions are welcomeThanks,GeethPlease find the email below Hey Gang,Two days left!!!

Breathe lol and Congrats Clinton

Hi Natalie,There are some great cashflow markets in upstate NY where you can secure properties very cheaply and get an awesome cap rate.These types of markets and properties are very time intensive as they are situated in a lower socio economic area.Well done on saving the $8,000.Before I became a full time investor I worked as a laborer and it took me 4 years of very hard work before I managed to save a decent deposit ($40,000) to kick start my real estate venture.IMO you will need a bit more capital to get cracking but until then keep living and breathing real estate and ask questions or other investors that are already where you want to be.Thanks for reading and have a great day.

Then sit back and hold your breath hoping he doesn't take a blow torch to your new investment and if he does, pony up a lot of money to sue him for the vandalism which while it may get you a judgment, won't get you a dime in your pocket or, maybe you play nice and offer him cash to leave it in broom swept condition.

The podcasts have been so educational and inspiring- I am trying to take the advice of many and "take a deep breath and do your homework" before jumping into anything.

I can feel the market as it breathes in and out.

I'm not brilliant, but I study like crazy and I take a deep breath, and I move slowly and meticulously through a test.If you aren't sure of a question, make a light mark next to it and move on to the next question. 

Basically any high income employees that wanted the breathing room of the suburbs/mixed-use with vibrant commercial activity and didn't mind the 30-40 min commute into downtown SF would live in Walnut Creek or Pleasant HIll.