We are real estate investor here at Bigger Pockets, not speculators.

That’s speculation.)

I speculate that you will find a way to spend that money each month on yourself while continuing to have the debt noose around your neck.1.

LMAO @ your speculation about the medical costs.

Pam,You are talking about speculative building?

All this is speculation on my part because again, my agent and is not communicating in a suitable manner."

And I do not do speculative investing.

The GoldMoney path is full of red-tape and speculation and fees.

They know what we look for in a rental and bring them to our attention, it's great.As far as the turnkey/network buying:PROS for BUILDER:  (1) Source of qualified buyers, often 1031 exchange buyers  (2) Builder knows what RE investors and renters want, builds to that standard -- floorplans, amenities -- no change orders to deal with  (3) Investors don't have the contingency to sale current home (4) Save on marketing time and costs, no open houses, flat referral fee to network, no agent/broker fees (5) I would think investors are easier to work with, less drama (that's speculation, lol)PROS for BUYER:  (1) Builder already vetted, although you're foolish not to do your own legwork  (2) Buyer's network has some clout, the builder doesn't want to mess up that relationship so more responsive (3) Usually other investors you can network within that market to vet the area, builder, the management company (4) Ease of transactionIn JAX/Ocala we've found  RWN affiliate quality is outstanding, good workmanship, desirable floorplans, quality granite, stainless. 

I want to focus on cash-flow and not speculate, so I’m avoiding my home market because the numbers don’t make sense (unless you want a low cap rate class D property in this California frenzy).