How hard is that for you to comprehend?

I hear the masses day in and day out trying to comprehend things in a market cycle, or market standing "lens".

BTW, agents don't get paid until they sell the house but they do pay for marketing.Let's take example which is easier for you to comprehend :) If you do tile in your flip and hire professional who put tile full time vs handyman who can do it but does sometimes.

But they had a hard time comprehending the no appreciation concept, because we are constantly bombarded with how real estate always appreciates. 

State procedure can be complicated I would tell a client to read the statute but not expect them to get it so I give them a flow chart so it is easier to comprehend what is going on. 

I still reference the book in attempt to comprehend the wealth of information you provided.

The hormones released when you feel stressed, such as cortisol and adrenaline, put your body into fight or flight mode.

Perhaps your answers are just far too advanced for me to comprehend.

I taught high school for 12 years as well, so my judgmental response to that kind of typing is that I wouldn't want someone who doesn't know how to structure a simple sentence to be entrusted with my funds and crafting binding contracts for me--it also makes my hand fairly twitch for that red pen...heh.I have not been able to comprehend why someone would want to purposefully put forth the perception of ignorance.

In simple terms so the rest of us can comprehend, can you please explain the existence of PMI if leverage is, in fact, as you vehemently profess, risk free?