If you go into a deal with speculation of "appreciation" and that's your focus, then you are gambling IMHO.

This gives you a better chance to have enough equity to refi five years out. 25 year amortization would likely leave you "upside down" in five years unless interest rates remain at historic lows (not likely - never gamble!).

Any residential mortgage broker can open the dozen spam emails we get a day from hard money and portfolio folks that want minimal paperwork, they just bump your rate 2%+ and do it on an ARM. 

We want to keep our forums free from ads, spam, and all the other non-related garbage that seems to fill up many other forums.Asking for a vendor in a thread may seem like an innocent request - we're all here to help, right?

Im not suggesting anything about your intentions but it should be mentioned that lending is no longer comparable to gambling. 

Is there anyway to alter my email accounts security settings so it sends these to spam? 

After 3 weeks of spam jobs i get a call from an agent who works for Keller Williams (KW), and he needs someone to drive around REO properties, take photos and upload them via internet each week. 

Delete spam and keep the site maintained to promote discussion.I think Jon has done a great job BTW, (your too Josh) maintaing the site.If you need help let me know, be happy to, I'm usually here anyway...LOL

You could always hope you'll see some appreciation, but from what I have read doing so is a gamble at best.

Of course, don't spam Craigslist, but sometimes, depending on the market you're in, you can get pushed down rather quickly.Usually, right around 9am, 12pm, & 5pm were the best times to get marketing out.