Ok, let me make sure I get it right this time. I’m kind of dense, you know. You hope that your own home loses more than 50% of its value. You’ve got 2-3x as much money as I do, even though you don’t even know how much my assets are, since I never told you. Your mortgage is almost paid off, and you have enough cash to pay it outright today. When the market crashes, you will buy lots of cheap real estate. But that’s not all. Despite a gloomy sales environment, your sales are actually up. But don’t bother checking because it is not recorded anywhere. All your sales are off the MLS, so nobody can verify them.

Your lender friends have different insights than SoCalMtgGuy, but we’re not told what those insights are. However, your list of friends who have option ARMs but pay off the principal includes a guy who gets $1 mil commission checks. That’s very impressive, and in your mind, proves that if there is one guy like that, there must be hundreds like him, even thousands.

Although the majority of businesses fail in their first year and don’t turn a profit for many months, yours is booming and profitable from day one. Although the economy is slowing, and capital spending is declining and companies are cutting back, your businesses are booming from day one.

It sounds like a charmed life, sdr. Peace to you too.