The Federal and States leaders are exercising their legal rights to limit certain social activities to try to contain a GLOBAL PANDEMIC.Morally and Leagaly we (you,I and everyone else) owe it to our fellow citizens to follow the social guidelines put on us by our legally elected leaders.You may want to refer to the 3 Documents which framed the Moral and Legal framework of the United States:Magana Carta (Established the Moral Obligations of the Leader of the Colonies in America)Declaration of the United States (The Consequences of and Reasons England lost it's Moral Right to govern th colonies)Constitution (Which codifies the Moral Rights into a framework for Laws in the United States)So No you nor I do NOT have the Moral or Legal right to "pick and choose" what is "right or wrong"In your posts you keep asserting that your "right" to be stupid and possibly infecting other during a GLOBAL PANDEMIC is equivalent to someone following the legal social restrictions meant to keep everyone including you as safe as possible.In a Global Pandemic we are ALL in the same boat and the sooner that WE close the infection rate AND develop a Vaccination, the sooner we will be able to ALL get back to work.

The $25M settlement years after the 'University' shut its doors also speaks volumes.Indications are that the programs were a sham similar to some currently delivered by some gurus who convince people to go into debt for programs that don't deliver true learning or skills.

Everything was perfect I started picking out furniture and paint and 2 weeks before settlement the underwriter said” she felt I didn’t deserve the credit score that I had” and would not sign off on the loan.

Closing at a higher price and kicking back undisclosed credits is fraud, fraud, fraud, from settlements, to taxes!

One phone call may be enough to motivate your PM to negotiate some sort of settlement just to avoid an investigation.

Asking the obvious question, have they talked with a financial planner who could help them out with things like Reverse mortgages, Life Settlements, ect. 

So, another question, to get a settlement in court from her, do i need to pay a professional to clean or can i do it myself and buy the tools and she can reimburse me? 

Bill keep this thread in your history I will send you the settlement statements so you know people actually do what they say. 

In the series, I also actually found the Cashflow Quadrant (the second installment I believe) to be more useful than the first book.As for specific suggestions, I think newbies need to learn to analyze all of the REI profit centers, and compare the projected returns against the risk you are taking and the time and effort you are putting in to achieve those returns ... that is far trickier to do than just come up with a CoC return from an online calculator, but it is essential IMO if you want to succeed over the long term in the REI business (and yes, it is starting a business, just like starting any other business).To review, the profit centers of REI are:1)Cash flow (which changes over time, so don't assume year 10 will look like day 1)2)Appreciation (both forced and market)3)Mortgage Pay Down (through loan amortization)4)Tax savingsThe best way IMO to combine all of these into a single analytical framework is to project the financials from purchase to sale (or cash out refinance) and compute the IRR.

It's a great discussion on cycles and helps develop a framework in which you can develop strategies about how to move forward based upon what you are seeing in the market.