@Harry Gamble Thanks Harry

(I feel like I keep talking), I remember doing a loan very similiar to yours with someone who lived in the UK. 

Appreciation is a gamble and it's on paper till you sell the property.

If you've got a good crystal ball and don't bet wrong, you can make a lot of money on appreciation.Appreciation is not gambling over long-term and no crystal ball is needed, only the ability to study history.

Definately helps, but what if you are paying $100k in taxes and to offset them with real estate you have to buy 1000 miles away, or for the UK investor, more than that?

The problem, as I see it, is that schools in the UK no longer teach the nuts and bolts of English - it seems they focus more on creativity, and don't care at all about basic literacy.

between my wife and myself, we lost a pretty decent chunk in the market last year. it's unfortunate, but investing in the market is just like our twice a year trip to vegas....a gamble!

If you are someone sitting on 1 million and you are throwing 5% of your worth at it and you lose it's not usually all that bad.If 50,000 is all you have and you gamble to cash in big or be broke if it goes bad I think that Is not a smart decision.I know investors that buy this type of stuff but it just will never, ever be for me.

I even know immigrants from places like the UK, Ireland, and Poland who are illegal.

Do you not have copies of the monthly statements issued to me and if not please obtain such copies from Affinity's attorney.It is rather late in the evening in the UK, but tomorrow I shall address all your other points and share what I can about my claim as well as NREIG/Affinity's handling of my claim and post if you so desire the relevant statements as issued by Affinity confirming that the property was reported vacant and the vacant premium charged to me.Good night.