It also pisses some people off when they learn that some cases of "identity theft" are actually identity confusion on the part of the credit bureaus.Debt Strategies addresses Debt Acceleration, Debt "Snowball"-ing (something promoted by Dave Ramsey and approved by the JD/CPA you saw in that presentation, Mark Kohler) and Debt Reduction (without bankruptcy).

Usually, there are a handful of houses in the various towns I watch that the banks will take a significant reduction on the list price.This year, I'm not seeing any price reductions at all.

If you subscribe that the market is appreciating then you lose a portion of that down payment each year to that appreciation on the house you were going to buy, instead of receiving the appreciation and the principal reduction from your potential 5 tenants you are giving the appreciation to the seller of your future investment property.  

If the property does not appraise the buyer has the right to ask for a price reduction or cancel the contract.

Maybe I can't do that for 90 days Mike - I sent you a PM.Ryan - nice move with the price reduction . . . let us know what comes of it.

I just got one lowered by $60k saving me $1700/yr and another one is being reassessed by the Town Listers now which I'm hoping will get lowered by a whopping $125k or a 70% tax reduction.

I did a temporary rent reduction of 100 per month while it was on the market and that worked well but the tenants were anxious, just something to think about.

Getting a 50% reduction on your loan (if the loan is a fair amount) will help out a lot.

Expense reduction is the best value add!

We asked for a price reduction to cover the cost of repairs, which they verbally agreed to (again all through their agent).