I hate that -- when a prognosticator blows the good news but gets the bad news right.In the other hand, we've been through recessions before, and recently.

if you wanted to make a solid return to outweigh what you are borrowing w/the mtg, i'm sure that a handful of the investors on this site would offer you at least 10-18% return if you let them borrow some of that money to fund part of their deals.

On the other hand, I've seen property that sells as low as $6,000 per unit after repairs.

They offer stable returns for people who want to be completely hands off.They are relatively new in the work of REI.

So, filing a mortgage or deed of trust when no money changed hands might be a criminal act.

When the girls were 3 & 4 I had a hammer in their hands lol).Anyways, I have done it all; tiling, drywall, framing, installed doors, carpeting, rough and finished carpentry, knocked down walls, installed cabinets, laminate flooring(I didn't want the added expense of hardwood), finished my basement (DH did the electrical although this does not appear hard to learn), designed and built a 20X20 paragoda/arbor for my patio (with some manly help) and installed a vinyl fence.

There's never a charge when lending a hand other than asking you to "pay it forward"Good job Skip!

Matt, The old adage, "breath" applies here, just slow down and focus on whats at hand.

Perhaps you could introduce yourself in the new member introductions area . . .As for the question at hand, my answer to frustrations would be Flaky people.

Very often I read about people getting the ball rolling without having much cash on-hand.