Do we have to just accept the negative and count on appreciation?

California would much rather you stick to your W2 job, your 401K, to count on social security and the safety net.

If I can just show ONE person that has made it sustainable, it would be enough to end this discussion.. in your defeat!

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.