But this is all speculation / generalization at this point. 

Some get myopic on the issue of debt and fail to realize that economic growth is via debt - - Everyone's heard of the Stock Market, but a large majority only see the speculative aspect and don't realize that the face PAR VALUE goes directly to the company who issued the certificate.Class B stock has real equity in the company, whereas Class A does not and can be wiped out by market fluctuations.

All highly speculative, but hey, it's fun!

But based on what I've seen from posts on similar topics, purchasing a deal near the farm is more speculation and less of an investment. 

I also chose it because of the lack of speculation or other outsized effects on the market: no booms, and no busts.

IMO that’s fine from a speculative point of view; however, I think it’s reasonable to pay a fair rate for the occupied lots and discount the rest...which is how I got to my number.

We can only speculate.

Also, cash flow preferred as "appreciation is speculation" and not guaranteed.

This property is what started the conversation in the first place, but my friend believes in 100% down.Ultimately I guess the fourplex does have a speculation component to it, and if the market upends itself it will bite me.

I believe the company is selling education for the 3 to 4k with the promise to look at your deals ( again for another fee) and if by chance one works they will fund 100%.. there have been posters here that have been funded however if I was mass speculating and again just speculating I would say the company makes a pretty good % of their revenue selling education as the money is non refundable. although they say they will refund the money when you make a certain amount of loans with them.. we like to call this pump and dump in our industry.