RUBS is (if I remember correctly) Residential Utility Billing System, it's basically a scheme for figuring out how much of the utility bills should be allocated to each apartment unit, based on factors like unit size, occupancy, etc.

Those points with an * are critical and can be a no go, further investigation would be required.I need to see a company in business for at least 10 years, no newbies, no investor based brokers having to fund purchases through a possible ponzi scheme, if they can't find a buyer you can be stuck.Audit a file before you buy it!

This scheme requires me to pay my principal over a shorter period of time. 

At the end of the day you want to avoid exotic schemes and ideas.  

There are no issues with a lease option that has no financing element.Financing agreements include any method or scheme where any payment or part of a payment, paid over any term, that reduces the sale price.

It was a real estate get rich scheme and he was calling himself an investor (I just played like I had no clue to hear his spiel).

I always hated keeping money in 401Ks as I know by the time I would need to use it, it will have probably evaporated through the market ponzi scheme.

I think one must think about it as a pyramid scheme.

What I think clouds some of the rest of our agreement is we have learned over the past six years just how great that burden is, how naive and stubborn many seller financiers are, (which affects their comprehension), and how many people are trying to sell "answers" to promote some money making scheme that benefits them without thought to the conserquences to the people who invest in those " easy answers".

Do you folks seriously believe anyone's fooled by your query and response scheme?