My husband gave the example @Eric Peterson gave if the offer went the other way (up instead of down) and how that would be a difficult predicament to be in.

And what an interesting predicament you've found yourself in: On the one hand you can hold the asset long-term as the land continues to appreciate, all the while collecting a decent return each year from the cash flow generated from the rental revenue.

If you need other people's money then a 2% cash back card isn't the answer.Let's step down of the moral soap box for a second and not make so many assumption about the person you are addressing.Many of us, like yourself, are in cash positive position and do not "need" other peoples money, but that does not mean you should not use other peoples money if the cost to do so is less than the opportunity costs to use your own capital.    

Hey wise people, I found myself in a bit of a predicament, and I am hoping you all can give me some insight.

I guess the moral is the folks actively doing deals ain't doing seminars...for the most part..., and once you become active the "true" investors will become known.Sorry i just had to rant, if i'm off-base, please feel free to destroy my reasoning...lol

Moral of the comment: Verify all your sources, know their limitations.

@Denny RobertAs a pastor, I have thought about this on many occasions, as we look at the verse often quoted by anti-debt folks "borrower is slave to the lender" notice this is a statement of fact not a moral or theological pronouncement.

The way you opened the topic left me thinking that you're asking a moral/ethical question, like "how do investors sleep at night?".

@Yesenia Morales ...

@Jimmy - Good point, but that tells me that gurus have no morals or integrity which is why I have no love for them.By the way, I am not saying Brian is a guru or his product/service is bad or good, as I stated before, I don't know anything about it or him, I only visited his home page on his website.