Turns out the seminars were nothing more than high pressure sales pitches promising over night success and riches beyond belief.

I did the calculations before with the belief that only 20% equity was needed. 

@Samuel Yee While I’m of the belief that managing my own (to get started) would be a great learning experience, I wouldn’t be too sad to see it professionally managed...especially if it’s something that makes the bank happy as well and can get the ball rolling.

Homeless soup kitchen and religious education non-profit?

Yes we have the same belief of wealth and on what it means!

@Kane WarnerContrary to popular belief, getting a job could be a waste of your time.

Contrary to popular belief mentors can't help you become successful.  

The amount of stupid in this idea beggars belief.

It was her belief that if a lien was on an individual that I might be responsible for paying it if I purchased the home.

Myhonest belief is they absolutely didn't want to make the loan and hence the reason for an appraisal nearly 20% lower.That seems like tightening to me.