Brandon has done it for years with his Intention Journal and I've never heard anyone claim it was a waste of money.If you've got nothing useful to add to the conversation, just go back to watching your paint dry.

Rent is essentially wasting it when you can afford to buy and build principal, and a rental has that money working for you.

And this thing sounds to have a ton of cap-x loaded and ready to shoot you right in the face. 

Many people waste time shopping with multiple brokers as well, they typically have all the same options so it is more about you forming a good relationship with one. 

i feel like if i don't get in then I'm just waiting wasting time. but with 5% down allows me to keep that 40K in the bank for the next place.My questions are...being that its only a 100k unit. should i go ahead and put the 20% don't a make an investment loan instead?

I feel as if I'm wasting time with all my ideas and learning (although beneficial) yet letting my current situation keep me stagnant.

I like to try to avoid, with limited success, wasting emotional energy worrying about such things.  

Even if you did have the money hope you wouldn’t waste it like that.

I wasted a great deal of time and money on busy work.

I quickly realized that was a complete waste as I'm running a small business.