@Brian BuckinghamAgree with the previous posts - there is no black and white answer because hard money resides outside of the traditional finance system.

Wherever there is a black hole of storage but a lot of residential that’s a good spot to build or buy. 

Years from now, as you actually go to court on variuous issues, as you represent clients with financial and legal claims and perhaps have the opportunity to be in a position as a law enforcement agent, you'll understand that things are not black and white, that what you read in a law text book may not be applicable to a particular situation.

I followed this up with listening to the Podcast (which I started all the way at episode 1) and by reading other titles written by Brandon and BiggerPockets Publishing.I am primarily interested in buy and hold properties as my long term goal is financial freedom through passive income so I can enjoy with my life with my wonderful wife, and our soon to be baby girl.

Some people would be better off taking their money and putting it down on red or black on the roulette table because they won't take action anyway. 

Take the Million, go to Vegas... put it on black. 

research the different neighborhoods within buffalo such as Allentown or Elmwood Village, Black Rock or University heights; All great places.  

I think that this is perhaps too black and white.

The emotionally-dependent wife that can't help enabling him, but has to leave him when he becomes a danger to his children.The childhood accident that leaves a very young girl permanently scarred and she chooses a completely marginalized husband because it's precisely his marginalization that allows him to understand her own.

Gloria did the seller give you a 30 year fully amortized NOTE on this.. if so that is one huge atta girl.. you saved probably 4 to 5k just in loan fee's if not more.. does not affect your fico etc..