I have to agree with a combination of qk and Greg here, financial independence and freedom are the end goal in my eyes.

But with the big crash in 08, combined with the fact that I go to Vegas fairly frequently, I noticed the cash-flow numbers started to look really good in Vegas.

Their combined incomes (Personal GDP) is $55,000 but they buy a house worth $200,000 and put just 10% down ($20,000).

Certainly, most conventional lenders (the large and medium sized banks that give loans) are going to be fine with a co-borrower, as long as the combined finances of the borrowers meets their guidelines.

We have the good luck combination of low unemployment and net population increases.

I have heard of both simultaneous and double closing also back to back or ABC transaction but not combined as you are saying.

I had another question, for anyone.If there are two owners, should I write to the first name, to both combined, or write two letters?

I also feel that the overall values of the combined properties is still under market value.

Consider some combination of ideas (including those already mentioned):How about noise cancellation headphones?

Take the monthly cash flow, and combine that with a monthly savings program.