See what he says - if he says no then ask him what his bottom line is Y.

Bottom line is, overfunding a life insurance policy reduces the actual cost of insurance and there are products out there that perform based on market indicies with no downside risk. agin, I have to stress that I am not saying this is to be looked at as the ideal investment for anyone but i am saying that with all of the benefits such as: congress blessing the instrument with income tax free death benefits, access to the cash value on a tax free basis, rates of return of 4+%(with simple fixed rate Universal life) and to top it all off, lets just say your age 75 and want 5mill of death benefit, the premium would be around 150k/yr.

I don't have a bag full of money to buy & develop, but with having no investment/development experience, bottom line, who is going to give me the amount of money needed for this project??

But I also believe we are near the bottom - buy now.CNN Reports:House hunters are too scared to buy despite low pricesDespite some of the best home-buying conditions in years -- affordable prices, low interest rates and lots of choices -- fear of buying has infected the market.It has paralyzed house hunters, making them unable to pull the trigger even on attractive deals.

Scott, I know you know your stuff and you give very good advice, but are you saying you never had a rough "relationship" with a loss mit and they somehow "lost" your file or it found its way to the bottom of the stack?

When selling a MHP in NC I had a few bottom fisher investors approach me with their charts and graphs showing me the max the property was worth.

You will have little success working from the bottom (asset managers) up.If your looking for bulk REOs, focus on smaller state or even local banks and contact on its loan officer's.

If I need more supplies for the job a few days later I just show them the bid and they honor the bottom line discount on any extra supplies.

I think the bottom line is this.

I don't think landlords are more socially conservative or liberal, but the are more bottom line people.