If this is so, wouldn't you look at the value of the improvements only when pricing out the cost of replacement since you can't include the value of the land in this equation?

If so, what are the cost of those improvements verses the increased value and rent?

Someone who started young and really put 100% of their effort and energy into this could *really* achieve extraordinary results.

The lease to own was a shady deal and we always paid our payment on time and improved the property.

It was kind of a spure of the moment thing to were the lady (family friend) needed a place to stay right a way & agreed to pay the $525 plus deposit.I want to replace the old cracked windows with some better energy efficient ones to help with the cost of the utilities which I pay none of.

So to carry around negative energy would be counter-productive.There is ALWAYS opportunity, it is just not always so easy to find!

And the cost is very cheap and the service efficient and fast.

I have since decided to focus all of my energy in gaining more investors instead of using credit cards for the main down payment and has been working out well.

None of this is your agent's fault and dealing directly with the REO agent often will not improve things.Good Luck,Mike

They bought a home expecting the only cost of homeownership to be PITI and never took account for lawn maintenance, utilities, cost of upkeep, capital improvements, etc....