I am naturally a very passive aggressive person.

A "material fact" involves health, safety or welfare, or is a fact that would naturally affect the buyer's decision making process.

Id....You said you have excessive debt for Chapter 13, but did not say whether that was of a secured or unsecured nature.

Most lenders do not "loan to own" but some do, and some deals by their nature attract that sort of lending.

Negotiating becomes second nature when done enough.

I am a hustler and grinder by nature and I am willing to do whatever it takes to make this dream happen.

Market value takes into account the distressed nature of the asset and the cost to renovate it to the point where it can be sold.

It is understood and agreed that lessor and his insurers, agents and employees, shall not be liable to Lessee, Lessee’s family, co-occupants, friends, guests, invitees or any person for injury, damage or loss of any nature which may occur at any time on account of any defect in the leased premises, the improvements therein and the appurtenances thereto, whether such exists at this time or arises subsequently hereto an whether such defect was known or unknown at the time; that Lessor, his insurers, agents, or employees, shall not be liable for any injuries or damages to person or property sustained by Lessee, Lessee's family, co-occupants, guests, friends, servants or any other person upon the premises or any damage to any person upon the premises or for any damage to any person or property by or from any boiler, plumbing, gas, water, steam or other pipes, sewage or any gas or electrical fixture or appliance or the bursting or leaking thereof.

All of these crashes and the rollercoaster nature of the stockmarket make me wonder why the stock market is used an the preferred retirement investment vehicle of Americans.Sure it is a somewhat passive way to invest money..but the returns (for MOST people) aren't great, and there is so much volatility.

I think it's an interesting look into human nature.