Theres not alot of south Florida love on here (305,786,954) to be exact but intelligent people from all over.

If the deal is for $140k all cash (and you get $40k right back), you're probably OK. but any half-wit loan officer the tenant uses will see right through what you did, which is to artificially bump up the market history of the property to influence the appraisal and mortgage size the tenant is applying for.

People are getting ripped off daily with the insurance products that you are selling, but majority of folks here are intelligent enough to realize that they are much better off taking control of their investments into their own hands, rather than giving their hard earned money to the insurance companies which pay their sales agents commissions up to 90% of the premium received. 

An intelligent argument can be made either way. 

The answer is because interest rates had been artificially low for several years and when interest rates started to rise the loans adjusted, increasing the mortgage payments, making those payments unaffordable for a large amount of borrowers,  regardless of whether or not they were subprime, granted subprime was a huge part of the problem.  

But, please, understand that we are intelligent, hard working people, that desperate to get out of poverty.  

I am even building a software tool that bridges my two passions...real estate and technology :)  The tool intelligently and automatically sources awesome deals for real estate investors and I would love my fellow BiggerPocketers to check it out because I am building it to help not only myself, but others too! 

Remember our current interest rate environment is artificial and potentially unsustainable.  

To paraphrase Wikipedia, "that there are no "true" or "natural" grassroots, but rather "fake" or "artificial" support".  

At long last....technology is working to reduce those pesky law fees:Artificially Intelligent Lawyer “Ross” Has Been Hired By Its First Official Law FirmUnfortunately most of the pesky legal problems try to navigate areas of the law that have yet to have cases.