etc).Be yourself, and be authentic.

Too often I read posts where it explicitly states that Appreciation is a gamble.

not being in my main USA market, I still will only invest there with extra, non core money.3- Indiana Jones type adventurers/thrill seekers- like my friend who brought in Baja, they let the mystique and romance of the land take precedence in what amounts to a pure gamble.

Likely your going to have to bail or gamble and complete the closing.

I'm trying to market an authentic Montana experience.

When AC first got gambling the only other legal gambling was in Nevada. 

Unless there is some kind of approval from the PA Department of Revenue on the exact language/method you rely on, parties at the closing are taking a gamble.

I think @Clint Moore is right about the predatory lending rules being tough once you get into lower loan values.I've never tried, but I guess technically you could try to hope for a good appraisal and take out a larger loan... could be a gamble though.Could you do a HELOC on your primary residence and use that to buy the duplex?

I don't like gambling, I only like to make bets I can win.

Oh, one last thing: there's a tribal gaming casino planned to be built in the southmost-central portion of the city which people take as a great benefit or the end of the world, depending on how you feel about gambling and/or money. :)