I'm more of a Michael Gerber E-Myth type person who owns a business that works independently of me.

Why spend so much time looking at statistics when you can be out on the streets picking up more deals?

I think it can be done, though, independent of the mortgage accelerator company if you can find a good HELOC product and you're diligent in managing your finances.

You are looking for financial independence.

Consider hiring one of those management companies so that you have a somewhat independent third party to pass things by rather than imposing things willy-nilly; hiring one of these companies might be expensive and raise your member dues ...And while you're talking with those other HOAs in your area, you can always ask to see the rules that they follow, and which ones are most commonly enforced and which lead to the most gripes.

For those with a soul, with the “authority†or “expert†moniker comes a responsibility to help others attain financial independence and avoid unnecessary pitfalls.

In Germany the buyer and the seller gives his agent independent 2-3%.

Mark Twain said it best: “Facts are stubborn, but statistics are more pliable.†:cool:

They are not an independent source, they have a financial motive and I consider them, at best, directional.

I seriously think they would catalog all 60 pages and even if they did the negotiator will only use the documents they need.If after the BPO they do not meet your number, then submit comps, repair estimates, photos, appraisals, crime statistics, etc. directly to the negotiator when trying to support your original offer.