There are obviously some very intelligent RE agents and brokers out there that deserve what they make, and then there are the rest of them.  

Please understand my beef in this matter rest solely in INTENT TO PURCHASE.

I saw an ad on craigslist for this:$ 179k (fixed offer)2 Story HouseBuilt: 19914bdrm,  2 half Bath............. (3bdr, 2 half bath on redfin)2 car garage 2500 Sqft............... (2253 sqft. on redfin)No repairsBig yard with fenceStorage30% Owner Financing_______________________      (the rest below is from my due diligence)(( Sold comps, 3-6 mnths ))View Here___________________(( Numbers ))$179k divide by $135k = 1.32% (ARV)$135kx.70% - $5krpr - $3kpft  - $6k cushion = $80,500 (MAO)$80,500 divide by $135k = 0.64% (ARV)$80,500 x.30% ownr. finanace = $24k (owe left to seller/investor)$56k dwn.

Stay active with the rest of us that is also learning,and paying foward.

Since my favorite is taken about 20 years to build a reputation and five to ruin it I'll pick another (yea, I cheated and googled it), this is especially relevant because today I learned that only about 5% of people can afford to support themselves after the age of 65, the rest are relying on social security, are dead or have to keep working."

Shorter AMs, higher interest rates, balloons, ARMs, pre-pays, and all the rest of it. 

So consider that as you're moving around with your wife.Now on to the second part (Please note I haven't read the rest of the responses to your post.)

I'm getting so much good information from this one intro post alone, so I'm kinda kicking myself since I didn't become more active on the forums earlier.See you all on the rest of the forum!

You could literally eat lunch everyday for free for the rest of your life if you're willing to waste your time being pitched by any of the 10,000 companies looking to sell you something.

I watch a lot of Grant Kemp and Daniel and all the rest of them.