If I can summarize my approach toward appreciation into 1 sentence it would read:When it comes to Buy and Hold Real Estate Investment, only experienced investors with deep pockets should "gamble" on the uncertainty of appreciation while all other investors should avoid considering appreciation as part of a purchasing decision.It's shortsided to claim "no one should evaluate for appreciation."

thanks for summarizing this!

Let me first provide you with an accurate and honest one-liner to summarize what to expect if you decide to work with WealthAbility followed by a detailed account of my own personal experience with the company.

This chart summarizes nicely what I've seen in my own journey. 

To summarize, my partner and I lost $7k on this deal right at the finish line, and I tell this story because I don't want to see someone else make some of the same mistakes that I did.

. :) That was great advice and I had debated making the letter shorter….or even longer and sending along a summarized version of my investing resume (which is short, honesty) along with the terms I am proposing and how their money would be protected (first position, reasonable ltv, insurance, automatic monthly payments deducted directly from my checking account, pre-signed deed in escrow so foreclosure proceedings could be avoided in the event of default, etc.).

It's great you summarized your mistakes.I was laughing when I was reading it.

In 2 sentences please summarize your attachment.  

To summarize, if anyone out there has any advice and even better would be happy to talk and collab that would be great!

But I don't suggest this because a) earnings would still incur early withdrawal penalties, so it complicates things, and b) this is not what Roth IRAs are for.To summarize:1.