If you and your wife find that your balance sheet indicates that you have too much debt and need to learn how to reduce it, DR's university could be a good thing to learn how.In times like the ones we are in right now, I would hold on to any cash that is available or accumulating to allow for well-researched investments when the economy is coming back.

I'm encouraging seller-financed noteholders to consider small partials as a way to raise cash. 12 - 24 months on 60+ outstanding payments will result in a minimal discount because, in the most common partial scenario, the buyer is buying near term payments and taking less equity risk.

What are key indicators that sellers are willing to accept low ball offers?

A bit of time air sealing and adding insulation as much as possible will go a long way to minimize system costs.

Filing of the listing should be accompanied by certification signed by the seller that he does not desire the listing to be disseminated by the service.Note 1: Section 1.3 is not required if the service does not require all (indicate type[s] of listing[s] accepted by the service) listings to be submitted by a participant to the service.

It seems to me that the flip rate, i.e. the percentage of home sales that are flips, can be a useful measure in taking the "temperature" of a market and as a supply/demand indicator. 

I’m actively working on automation and an employee base to minimize that affect, but I still know there will be cost.

They have indicated they are going to save up for a down payment on a new house and would like to rent two more years.

However,  I haven't seen many bandit signs indicating wholesale activity in the area where I live and work (NE Indy and suburbs). 

This will give you a great indication of those who are making an impact on the BP community.