@Russell Brazil I only buy on the commercial multi side, so our PSAs say pretty much whatever we want them to...my counterpoint to your 3 vs 6 is what about 117%....so I have to close because someone gave me pawn shop rates?  

Honestly, unless you have a sizable team of seasoned pros or run a PE slave-shop where you can grind Ivy-league analysts for 100+ hours, you will be fighting a losing battle. 

Then shop them around and go with who is best for you.

Spreading from my experience with habitat and seeing them very active in the area I shop I would say that yes it helps to have Habitat houses close by.

If you can pay all cash then you need to shop at the auctions.  

Like "here's my family land, but you can't turn this beautiful ranch into a commercial shopping center. 

I'm always down to talk shop on the forums about Cleveland.

Rao Mu - I shop around everywhere for the best deals.

@Scotland Ray Smith - I couldn't agree (much) more with @Matthew Baltzell on the following two points: "You create your own luck", and "The key is to just get started"I'm a mechanical engineer by degree, manufacturing engineer in a paint shop by profession.

Local college near by, shopping center near by and military base a couple miles away.