But it does not make sense for me to pay PA a fee on the amount $10K.

I’m trying to buy a house in Phoenix using a second home loan, putting 10% down.I'm trying to understand why anyone would choose the 2/1 buydown if you end up paying the same amount of money, whether you select the 2/1 buydown option or not.

All it changes is how much you have to pay the seller at exercise.

You can either pay cash for the land or finance into the build.

I do not pay for courses or services.

You'll have to pay many multiples of that.

What’s interesting is that I cash flow pretty well and haven’t dealt with tenants not paying.

True foreclosures are all cash purchases so if you don't even want to pay $25 for a list or for access to a good site, you are probably starting a long climb up the wrong tree.

See if that helps them pay up.

I am also finding that as you mentioned part of the learning curve is knowing what a particular state's law is.At the same time, I have in the past found paying some money for a course has helped me to learn and take action more quickly.