If you can pull that off in under six months, and make sure market doesn't soften on you, then you have to split it with a partner, now you are looking at single digit returns.

Even the crappiest of hoods in the country have appreciation double digits.

So unless you have an active strategy that can somehow find value and you're also willing to ignore all the things going on right now that may ultimately lead to a major correction (like several hundred billion dollars in double digit coupon debt from developers in China), I would agree with the title of this thread.

Neither digitally, nor physically. 

Market appreciation is pegged at double digits year over year!

If it’s a set amount of videos or online (digitally) you can bet you can find it online for free.

We tried to sell the loan a year ago but found out that there were two minor title issues: legal description was wrong in the original note & several assignments referenced the wrong instrument number (off by one digit).We shouldn't have missed those but neither should the 5 big banks that had the loan before us.

I do this with every applicant if I didn't receive a digital copy ahead of time. 

It's very common to see double digit returns where the average over decades in stocks is 7-8%.3.

William Tingle has an excellent article on this topic:How To Overcome Seller's Objections When Buying Subject-ToI wrote an article about this a while back too...I'll try to dig it up and put it in the new file vault this evening.