So, cycles happen and we will likely have another down rate cycle in the next few years but it might just be due to another economic issue, so sometimes be careful what you wish for. 

. - You can choose to pay more than 20% down if you wish.

Wish me luck!

Whatever you decide, it sounds like you're in a great spot and I wish you the best of luck! 

However I wouldn't recommend this or wish ownership of these liabilities on my worst enemies. 

They were but the headaches were not worth it, I sold almost all my properties there and wish I would have spent that money in Chicago. 

I wish you the best of luck on your journey!

That's wishful thinking at best. 

Originally posted by @Andrew Ware:I wish BP had a $2k, 3 day course and mentoring that we could send people to instead.  

If you're licensed (or unlicensed) and are a principal in the transaction, you can use any form you wish but it is foolish to use a form that does not have the required notices included it. 3.