In other words, write that gift off in your mind so that when they stop making payments or the litany of excuses starts, you've already accepted it as a loss.And if a bank will not lend to them, then I think you have your answer - and hopefully you can blame it on your "partner".

I have a blog where I write about Real Estate  www.homebestchoice.com and I welcome you guys there too if you would like to share experiences and tips, would be a pleasure to have anyone's help on it. 

@Jake Thomas, I think I am leaning towards writing my own purchase agreement that is very simple and easy to understand for my customers.

Write the HOA .  

However, when I look at the IRS publication on per diems it says self-employed persons can write off food per diems. 

Will re-read all the responses tomorrow and write a more thorough post tomorrow.Thanks,Preetham

I'm pretty visual, I would read the chapters and write all the key words on flash cards to study later.

I am looking for a way to contribute back, I don't need this for the money, thank god this business has given me and my family the opportunity to be financially free and a Multi-Millionaire.Wow, thats the first time I write that in Public..Thats the house below.  

You say you closed without seller completing items specified in the contract, but it sounds like you did not escrow any money to insure completion of repairs or get anything in writing that confirms they are still responsible for the repairs?  

Berkeley and oh, oodles of years of professional writing, blogging, social media, newsletter and journalism experience.