All their tough talk is going to turn into "It was a guideline", "We strongly recommended that" as they try and disavow all responsibility for their policies. 

Lots of motivational talk. Is

There is often such a divergence between those of us in the cash flow markets and those in the *other* kind of market, that these types of threads always progress along these lines, just speaking different languages, and the talk is simply opinion and perspective, often to little avail.

Unfortunately I live in Michigan, a beer and some real estate talk is right up my alley.

The last talk I heard was where he was talking about the market rising til new construction pencils...THAT, I can imagine, is what everyone (the govt and their keeping rates low) wants to happen... he followed this point by saying that in after every turnaround in new construction, the economy turns around also.while i do not recall any specific %'s in appreciation, he did talk about how he expects the market to continue to the point where new construction kicks in and gains momentum.

I understand that foreclosure is a useful tool to get the borrower to surface and talk. I

Talk is cheap and many have a dog in the hunt to buy where they do business.I would first back track and look at money to spend.

Talk is cheap in my book.Give me a heads up on your next deal you are looking at, I am interested.Will

If they try to raise it from there, I say walk. I

Needless to say, having recommendations from people like yourself and many others who have 'walked the walk' is a lot better.I do agree with having short-term investments from the HELOC.