BUT, whatever is left over is added and counted as normal income and I'm in the highest tax bracket; that sucks!

Refund it immediately, and count your lucky stars.Might seem unfair, but those notification requirements exist for a reason.

Conventional financing counts it as another monthly obligation or similar to another mortgage payment to qualify for which makes it harder for a borrower using conventional to qualify unless they made a much higher income.

String together some singles and the runs count just as much as those driven in with a home run.

I am working on the low zero count at the moment but do live vicariously through the experiences of others.Best wishes!!

Don't count those deals yet though you could jinx them. 

I don't make a habit of counting other people's money but  The developer is selling a house for $450k cash and then basically paying $36,000 a year to have a showroom in the office.

In this area there may be a bit of appreciation but I'm not counting on it as being significant.

Such as blackjack if you're counting cards.

The 50% accounts for vacancy already so you're counting it twice right now.