The tax preparer will thank you too!

So I think regardless, we're going to end up renting, and are prepared for the loss, if that's what's necessary.

Any creative ideas for getting in touch with the sellers prior to hitting the marketplace?

The guys and gals who do what people have done for hundreds of years and follow normal business practice and think of creative ways to make the most money they can, there are those who read and do nothing, and there are those who are all about the flashy programs, mentors, and scams (you).

isn't the lease option a form of creative financing?

They will reject you at first but be prepared to give them a card, thank them for their time and walk away.

. ; )If you're prepared to work in a property-based business, it can certainly be profitable and I'm not saying anything negative about that, but I don't consider it falls into the category of "investing".

I am very creative and have my moments where I just LOVE my job.

Yes, there is always the risk they may default especially in this economy but it's just knowing how to manage the risk and being prepared for the worse.

I don't think its the end of the world, but it can't hurt to be prepared.