Most investors realize that someone wanting to do a lease option has limited choices, therefore they expect a greater price, maybe Hoping you can't finance it at two years.

Becoming a teacher wasn't my first choice either, I sort of fell into it.

Well you can if you narrow you focus areas and include strategic urban markets within your investment markets.

@Chip Chronister ...Most looking for owner financing won't qualify in 2 years for a mortgage(poor credit, back child support, etc.)..If they could qualify for a traditional mortgage many home choices available...But of course it's not impossible..marketing!

Granted its been almost 5years but when we were looking at windows white, brown, tan were 'standard' and a single price and having other colors (every window mfg had different choices) was additional.

If you make pre-tax contributions you still getting tax advantages but will not be limited on your investment choices.

James Ehrig I don't think it matters what letter choice you choose because if a seller is motivated enough you'll hear back from them.

In general you will find deals with fatter margins through direct mail than you will through the general MLS as you aren't fighting all of the other retail buyers and connected investors (who are alerted to choice properties within minutes of them being posted or before) who will be putting significant pressure on those houses.Read up on direct mail marketing in these forums and you will learn what the best ways to do it and where to focus your efforts.

Nobody going to give you money with that much debt attached to you.Sometimes REI is strategic and you make moves leveraging debt or properties etc...But a lot of times REI is just good ole common sense...You have a good stream of income (between your job and business) coming in PAY OFF AS MUCH DEBT AS YOU CAN...The most important thing is peace of mind. what happens if you get laided off?

I guess another "LUCKY" choice.