Having front door delivery is great and free, plus I can shop when HD and Lowe's are closed.  

For those of you that shop at Lowes, don't forget your 10% off coupons that are always available via eBay for less than $1 each.  

Buy your clothes from thrift shops. 

I would definitely shop around.

Banks are very eager to lend on this stuff now, I have shopped around and have found all their terms to be about the same. 

I currently am a heavy equipment mech and shop manager for a major beverage company, but have worked as a maintenance super for a 165 unit complex so i am able to do that type of work if someone would like to do some sort of partnership and my wife was one of the office people at the same complex.

I have a couple lenders who offer these terms (or better)...if you shop the small, local banks in your area, you should be able to find terms close to this.

We were told how to shop and what to buy.

I will be trying to get a hold of another attorney tomorrow to see if we can challenge the "ruling" :)They have everybody in a tizzy about "SS fraud" I found a title company who will do these (and insure them) in their current configuration and am shopping for rates now.

For future deals, it might be a good idea to shop around to a more investor friendly firm.