I've read TONS on yellow letters, but not from folks who have used both!

In an area that can appreciate north of 2%/year and really do 2-4%/year for next couple years (area was flattish for a couple years and surged 8% last year.. not a lot of room to develop further in a growing metro are...

However, I've had many folks talk to me long after they've paid 3-20K for a coaching program.

The difference in interest is usually only around 0.5%, but in return you're agreeing to make this extra principle payment for 15 years.

In years past, ive had need of extra space for toys, tools, equipment, and when my hobbies outgrew my shop space.

Currently my tenants' payments on my mortgage (even without extra) pay more on principal than interest.

I know I'm getting jumped on by some, so let me add, there are some very good folks in mobile homes, they have the money to drive new cars, take care of the place and are neat as a pin, but that's not the majority view.A million dollar mobile home spot is not from the value of the home but the location.

See what we can do, lots of ideas her on BP and some folks in your area. :)

I also think I'm up to the challenge as I'm very familiar with low income folks through my job.

I think it will provide some cool inspiration for the new folks as well as give us a reality check before we jump in without doing our due diligence, etc.