@Matt Motil gave an excellent analogy about the crabs.In retrospect, the fact of the matter is that it's good for you to be able to share those experiences with this community which embraces your REI mindset.

I've found this to be an excellent selling tool.  

The members, forums, blogs and podcasts provide a wealth of information and excellent networking opportunities. 

I find their technology platform excellent, unusual and cost effective pricing, and great responsiveness.

Excellent advice.

Jobs, Jobs, JobsLow oil prices are bad for Exploration and Production but good for the other side of the O&G business like refining, petrochemical production, and plastics.

@Tariq Bahay excellent, now I should learn how to use a screwdriver, "Pick up screwdriver from handle with right hand" there ends lesson one.

Anytime,As a side note, you will see most of the product from hedge funds in FL, OH, IL, MI, NC, SC, TN, NY, NJ, TN, KY, AL, MS, LA, AR, MS, PA & KS.  

Good luck-there are excellent values to be found.

They may give you a secured loan against the one you have but it may be more productive to bring them the specifics of a deal on another property and have that property secure the hard money loan.