I always had a good spread between the underlying loan and what I was charging on that loan, and I had the cream on the second that I took.As those loans disappeared from the market I found it more feasible to just buy for cash, and resell on low down-owner will finance deals.

You have to find ways to break through the ice so you can sit down with them and figure out what the best option for them is.

I'm about to break the ice, so I'm anxious to know what you've discovered and how it may impact you.

Needless to say, I like any appreciation that I get, but I just consider it icing on the cake!

Although the 6ft of ice shield we install against the drip edge may help for awhile.

Of course, that would require a sale of the investment.We actually underwrite our properties at a 3.5% appreciation rate, which given the the zip codes (Meridian invests in 9 zip codes in Memphis), price points ($100K-$180K, which is at and above the median home price) and market historic averages, this is a very conservative measure.With that said, appreciation is really considered more or "icing on the cake".

As to guru, I don't know, but Rich Dad Poor Dad crap is pretty much that from what I've heard, one aspect doesn't mean much I guess as fools are willing to pay for almost anything, I'm changing my attitude slowly too, if you have 100,000 people wanting strawberry ice cream in a cone, someone is going to serve it, make it more interesting, put a gram cracker with it on the side.

Now those standards are changing, the ice is breaking.

I do hope to break the ice into the U.S. market (Atlanta/San Antonio/Indianapolis) and get my first deal --whether wholesaling (cash) or B&H (cash flow).

Use that as "icing on the cake".Finally, realize that there are always better deals out there.