@James Wise, @Stu HoffmannAny luck with finding these elusive lists?

I believe in "defensive driving " - in other words when on the road assume the other driver may not be proficient, may shoot the light, may overtake where they shouldn't, etc.- Not all drivers are bad - in fact most are not, but when you do come across one, you won't be surprised, and hopefully will brake in time.  

hi james. well, first we need to know a few more details. if it is in pre foreclosure, thats better than foreclosure. in pre foreclosure, you can still buy it from the owner and not the bank. when dealing with a bank, the whole program is totally different. so, what kind of a deal have you worked out with the owner?

Originally posted by @James Wise:@Nikki HarmonSorry that you were put in this situation.

Originally posted by @James Wise:@Allen LeeWelcome aboard.

James,  I did include a 5% vacancy in the expenses, .03 is actual. 

And each time you've come back more defensively trying to justify your actions. 

@Joseph Weisenbloom  some bp effect on markets I think there is some.. for instance I never thought much of Cleveland as a buy and hold market.. but James wise is a frequent welcome wagon poster on BP and I use's BP to its fullest extent so I think there are folks that maybe would never have considered Cleveland and that are now invested there.I don't think 300k people are active at anyone time on bp or a even a fraction of them. when I happen to open a post that may be 3 to 5 years old I scroll through and virtually none of the folks posting are familiar or I have seen posting since those days.. so I think you get a lot of folks that come and go.  

If I were in that same position, I would do what Warren Buffett told Lebron James to do with his money: http://www.cnbc.com/2015/03/02/warren-buffetts-adv...Low-cost index fund like the Vanguard 500 Index Fund (VFINX)...

@James Wise Thanks, this site is awesome.