First realtor put the offers together and sent contracts to me to sign along with an email comment that don't expect the offers to be accepted and don't expect counters..

Something to watch for when you're buying if you expect to do this and get the down payment and credit card money back.Learn and apply the normal rules about rentals.

They reduced their dividends but will come back up with IMPRESSIVE dividends once they are back in shape - VERY GOOD acquisition candidate being the leader in S&Ls ;-)CVX - Chevron Corporation - I am expecting this to fall when rest of the stocks go down.

Went to the other bank, got upset with the manner inwhich the mortgage broker was speaking to them, (very condensending), so they got so upset, :badwords: they went to a "model home" and bought directly from the builder, (never consulting me or letting me know what their experience was).My broker suggested I get my buyers to sign a buyer/broker agreement...I am not comfortable with them, because as I buyer I refused to sign them, :protest: and found another agent who didn't expect that from me.

I understand your jab at me about "PROMOTING NRU as expected!"

That is to be expected now that the real estate fad is over.

I buy right and expect and usually get the desired profit at the end.But even a different business like McDonalds is still speculative that people will want to eat a cheeseburger.

Curious to know what anyone would be expecting in return for their money from a investment standpoint in a hard money situation here.

And is this something that I could expect to allow a more significant discount?

The IRS considers forgiven debt as income, and expects you to pay taxes on the amount forgiven.