We've had a lot more success with good old fashioned cold calling, response rates are lower (5-10% nationally) but you don't have your accounts being shut down every day.

It seems like the American system (tax code, AFR, etc.) is set up to reinforce usury.

In a similar fashion, if you can imagine how much landscaping and underground infrastructure is in a golf course as compared to the clubhouse, that will give an indication of why an extremely high percentage of the property's value is allocated to the land improvements.

We still like the old fashion long-term rentals for the consistency and reliability of income.

Even the American Institute of CPAs (AICPA) recommends that their CPAs get a cost segregation study done on properties over a purchase price of $750k.

My concern is that American Modern has a lot more terms compared to State Farm.

It's the American way!

I keep comparing to Aussie and other countries world wide.Buyers agents pretty much don't exist and only listing agents do.true, US is almost always the most complicated one, in other country no need to have buyer agent but there're more, no need to pay tax when selling house, no need to put all 2000 pages disclosure when selling house  , no need to have house with so many certification (required in some states ) before renting it out , no need to hire expensive licensed american-born General contractor when repair house, no need to call specialized licensed educated electrician / plumbing with ipod because it's just .... plumbing. no need to pay tax with annual increase .... no need to pay ridicilous amount of insurance every year no need to check their credit score and immigration status when renter is impying LOL the list is on and on

Below is the median net worth of Americans by age according to a recent "Survey of Consumer Finances" conducted by the Federal Reserve.Under 35: $13,90035-44: $91,30045-54: $168,60055-64: $212,50065-74: $266,40075 and over: $254,800At this stage in your life, if you are ahead of the average American, what do you attribute your "success" to?

Iḿ doing well and can absorb so much more than they average American, and still all the rate increases was painful.