I am planning on developing a win-win business partnership to the banks' REO department in order to be able to close on a potential deal prior to it even hitting the market.

I concur Jeff.Spending money that you don't have is not a long term solution to anything but winning political races.That goes for Dems and Repubs.

On the other end, the contractors would love to be paid 100% up front.At either end, someone is taking all the risk with no reward up front and these are inherently win/lose scenarios.So, contractors want to get something up front for their labor and materials.

Your plan to keep your residence currently is excellent plan.

Nevada beats boise and we win and we go to bcs.

I think Hillary did win.

excellent points....I kind of forgot that the HELOC rate could change....mine has a locking option as of yet, so that could help me hedge my bets...thanks for the reply.

How about giving us the winning mega lotto numbers?

Excellent I knew that, but just needed to be reminded.

This is the way WINNERS win the game, loosers buy at market value most of the time and proceed to loose their money.