San Francisco was supposed to have exceeded it's bubble peak long ago..

I have been lurking unregistered in BP for a few months now, just sucking up knowledge without any contribution, which I suppose is quite rude. 

kill the   tree but Jon is right,  that won't stop the roots for a long time. there is a chemical that supposedly you dump in the toilet late at night and it works.  

Was I supposed to have a third party hold my money or was it ok to have it in savings?  

They supposedly give leads of people who are having problems making their monthly mortgage payments.

I attended their initial 3-day seminar (cost $2,100), then I signed up for their Boot Camp class (and was supposed to be more) and spent $15,297.

I'm guessing the sale contract was assigned, not really the right way if you're in the deal as a wholesaler, it worked this time and I suppose the seller doesn't care about how his "wholesaler" was acting legally or not, it closed.Was there too much equity taken for the work performed, I'd say yes, all of the drama was irrelevant, the going above the call of duty here was to get a bigger paycheck, how much of that was actually earned, well, the value of the work may be overstated due to lack of experience, knees knocking when they didn't need to be. 

I suppose I'd have to find out with the lender if they could also finance the interest and loan points for the HML, as that would technically be a cost of acquiring the property, at least that's what I would assume!

sounds high that's good for negotiating with the seller I suppose....

(Update...)Luckily, I have an old free account on that site and still remember the password.In short, some large group is buying up tax delinquent properties at scavenger sales, keeping the good ones, and the ones they can't give away they DO give away - to the unsuspecting.So - we're supposed to be entrepreneurs here.