Only a 2-3 times a year will they offer their 6-7mm stock that cheap.  

well to touch on that side of the bad i try to give them an idea i explain that its an investment just like the stock market. i also have a plan B in place and sometimes a plan c depending on the area I'm looking 

You can wait for the 20% off coupon for Lowes or Home Depot and stock up using that, you can usually find one online that may not have a valid bar-code but can be taken to the competitor where they will match it.

One of my friends is a successful day trader, and he's told me that the two cardinal sins of stock trading are fear and greed.

I can't predict the future, or I would use those numbers.  

You can't get this kinda leverage in the stock market though the stock market is very liquid. 

I want my investments to have predictable demand, and other investors seem to like throwing cash at that approach.

Wondering if any of you know of a good forum site (something similar to BiggerPockets with lots of education) for the stock market?...

Oakland County will be immuned except the areas I named because of the nicer housing stock and schools.

Big Banks = more overlays (varies by bank)Their concern is stock price and appeasing stockholders, and because of that, their guidelines are more selective because they are trying harder to limit their default probability.