Good post SDR and let me add one thing. I hope those of you dont take this personally as I dont nor do I think the other agents on this board do. We often resort to hyperbole because we feel we have to present a counter to an extremist opinion. There are plenty of options out there to do exactly what you are asking for but they arent m,ainstream because the market cant support them as the norm. Beating the market in RE purchases comes from being opportunistic. No one idea works all the time and having a full bag of tricks can and often does make all the difference in the world. Lastly, the agents you are debating with on this site are the good guys who work out there with honesty, intellect, sincerity, professionalism and solid ethics. We see the train wrecks you mock everyday and have to navigate through them on a daily basis. However we know they arent going away completely nor is the system you would love to see scrapped.