I guess what I am trying to say is everything pencils in a perfect scenario with nothing going wrong. 

There's nothing wrong with having some money left in a deal in my opinion. 

@Jay HinrichsThere was a post in the fb group where the sellers realtor was trying to give advice to the seller on the reasons they should sell sub to.I made a comment that I wish finra could see a realtor trying to provide financial advice to an elderly sellerThis is where things are gonna go wrong quick.

This is the wrong place to find him.2.

Down payment on FHA is 3.5% so you’re not wrong there and safe to assume another 2-4% for closing costs BUT you can negotiate seller assist to cover bulk of the fees if not all.

There are people on here (BP) that say "you don't need to pay for education".Well, not only are they wrong!

There truly is no right or wrong answer.

Nothing wrong with you hating them.

There are always negative people and there are people who think you just got lucky, well, they are not completely wrong.

I believe that when my last Hard Money Note matures (November) I will be able to find good value close to where I live in office space, and if I can't or am wrong with this hunch, can always do another small multiunit in Denver, which has been my bread and butter.