Not using leverage means you have to use your money, which in most of our cases, increases our Weighted Average Cost of Capital (WACC).

Lately, those alerts are more for price reductions than new listings. 

I have had mentors (not in RE) but in some other areas of my career and all the Ah Ha moments I got thru' mentors was worth the weight in gold! 

"Certain expenses paid by the seller and/or another interested third party on behalf of the borrower are considered “inducements to purchase” and result in a dollar-for-dollar reduction to the lesser of the sales price or appraised value of the property before applying the appropriate loan-to-value (LTV) factor."

The square footage is good, so it might help to list room dimensions.I think the house looks better vs. competition with the $50 reduction. 

Making Lonnie the poster child for predatory lending is like making Ellen DeGeneres the spokesperson for Weight Watchers.I am new to Bigger Pockets, but I'm not new to RE investing.

I almost bid, but decide to wait for another reduction, since there were no bids. 

You don't *need* that data to make a decision but newer investors on BP seem to put a lot of weight in 8% vs. 10% cash-on-cash returns.  

Which in 2017, I reckon means: putting heavy weighting on not being out of pocket for your investments on a month to month basis.

Then you are entitled to these discounts in Panama:Here is a summary of the benefits of the Panama retirement visa:One time Duty tax exemption for household goods up to a total of $10,000.Duty exemption for importing a new car every two years.50% off entertainment anywhere in the country (movies, concerts, sports)30% off bus, boat, and train fares25% off airline tickets ( originating in Panama - going anywhere)50% off hotel stays from Monday through Thursday30% off hotel stays from Friday through Sunday25% off at restaurants15% off at fast-food restaurants15% off hospital bills (if no insurance applies)10% off prescription medicines20% off medical consultations15% off dental and eye exams20% off professional and technical services50% reduction in closing costs for home loans25% discounts on utility bills15% off loans made in your name1% less on home mortgages for homes used for personal residenceA one-time exemption of duties (taxes) on the importation of household goods up to US$10,000 in total value.100% duty exemption on the importation or purchase of an automobile every 2 years.