They offer me full financing and talk the bank into combining the Camry loan with the highlanders so instead of paying two car loans that I can't afford I'm now only paying one loan for a little over $10000 at less than $200 hundred a month, and the dealer decided to take my $2000 down payment and applies it directly to the loan reducing me to $8000.

For a 2-4 unit property you will need a minimum of 25% down for (most) conventional financing (20% for SFR's) this will have to be sourced and seasoned for 60 days, your max CLTV (Combined Loan To Value) will be 75%.What does this mean? 

I have loved ones that have been scammed and its from their experiences that I have learned....and this is the reason for this very post.....To remind people of the dangers of doing business without proper due diligence....as far as the texts....well ....Ive been having fun buggin' the crap out of this con job...hopefully i bug him/her enough that they ditch that number or make them stop trying to dupe others....

I found a way to combine my hobbies of investing, passion for finance, and interest in RE all in one place. 

You should also target seasoned investors, not newbies as 2 newbies may not be a good combination.

Put an ad on the BP Market Place, Craigslist house needs a cash buyer, if you don't get at least 10 calls responding that combination I'd be greatly surprised.

Most have an interest in selling crap property and try to fool you into thinking you are going to get some guaranteed $200 a month per door.  

Hello BP,In order to gain greater buying power (sooner) I was wondering if it's legal or if anyone here has ever combined their spouses 401k to use in a self directed 401k trust to purchase real estate property.I understand how a trust would work (all monies have to flow through the custodian, etc..)I will probably follow up with my tax advisor / financial advisor / trust companiesAll the same, just wondering if anyone has experience w/ this "strategy"?

People really sign this kind of crap?  

It turns out we would have gotten a much higher rebate by documenting the lousy efficiency of the old furnace system and gotten credit for upgrading the furnace (even though that was done a few years earlier, before we knew we were eligible) so the combined increase in  energy efficiency upgrades (furnace + insulation) is what counted.