Hi everyone,I realize this has been discussed before about which one is better and I think the general concensus is both.I am writing an economic paper on this topic where I plan to compare the two, so what I am looking for is a list of all the pluses and minuses of both.

(b) The defendant has the burden of producing evidence of each element of the defense specified in subdivision (a) in a criminal action under Section 892 and the burden of proof of each element of the defense in a civil action under Section 891. 894.

He might be more willing to give on the rate and down if you give him his price.I assume you've compared it to other nearby properties, and that its a good deal compared to those.

For as much as I trusted Joan, my agent of 15 years, I always read each contract, and compared to previous ones.

I think you'll find that the value of the property located near a park is comparable to that of a golf course.

I'm sure that's true compared to the easy money years.

I haven't made the offer since it seems so ridiculous compared to their list price.

How does it compare to Rochester and Syracuse?

The MI company was Radian and they denied the short sale when the lender approved it.Call their loss mitigation department and treat them as you do any other negotiator, explain the situation and send them over your data and comparables to support your offer.What happened on my deal is that the MI company apparently approved it as long as the 1st lien was willing to take more of the loss, I am not sure about the specifics but they came to their own agreement and I was able to get the deal done.The point is be persistent and don't take no for an answer.

For instance if you calculate 10% appreciation per year in real estate and 10% gain on a stock over 10 years, your total return in real estate is 500% compared to 100% in the stock market.