"A cash offer from an investor or non-profit organization to purchase an REO property shall not be considered a better offer if the offer is the same or a lesser amount than an offer by an owner-occupant who is purchasing the property with cash or with financing."

@Chris ArmstrongHave you considered the solo 401k as it is often times more advantageous than an IRA?

I'm more interested in cash on cash return than an absolute number.

But you may need the help of another investor and it may cost you more than an agent would cost, but an agent is only going to be certain that the paperwork is all correct.

Most likely, I'll just disappear once I realize I can't get rich overnight, leaving you exhausted and irritated.

I exhaust a minimum of 3 hours commuting daily and it's usually longer than that.

I completely understand your view of a personal home being a liability rather than an asset although I am in a similar position to Ronaldo and I just can't help but think paying off my own mortgage would be better than paying off someone else's.

Even being ignored is better than an acceptance.

An investor is almost always going to pay less than an OO, but if its a rental area you can still get a good price with a tenant.

Be sure to learn how this will effect your retirement plan as well as investments.You should also consider looking into an Individual 401k as it comes with far morebenefits than an IRA.