welcome to BP Rick, looks like you have the right attitude!

From a personal philosophy I too am against trying to squeeze the last nickel from anyone, as the attitude towards money will come back to bite you in the end... 

I understand that any facet of real estate investing involves work ethic, attitude, and of course people skills.

I truly believe that most of the people here have a positive and honest attitude but, as the word cooperation mean "sharing work", it is absolutely important that both parts have a good grasp of what real estate is, so that this cooperation has equal satisfaction on both sides and maybe a continuation in the future.I'm lucky because I always travel around the world and I can easily rent a car and see with my eyes areas I might be interested in.

People who live in the city seem to think nothing else is even acceptable (New Yorkers have the same attitude) but if you cant afford it, you cant afford it!

The student market is becoming tighter and tighter and I'm wondering is this aspect of a more pet friendly attitude could be come beneficial??

You've been contributing a little while already (by your post count) and it shows your inherent interest in RE.Rockefeller once said he would rather hire someone with a great attitude than someone with more degrees than a thermometer without one.  

That "just do it again" attitude is pure predatory and this too is mentioned in Dodd Frank!

In an auction environment you can exceed 10, 15 nor maybe 20% of a reasonable estimated market value, but that market is also different, it's not like dealing one on one.Predatory waters is my description for acts or attitudes that expose you to much higher risks of violating applicable laws, it's not a law itself (but can be specifically in certain aspects).

You've got the right "rinse and repeat" attitude, and now are wiser too than you were in 2003.As @Austin Hughes said, "look for other creative ways to finance the new property!"