Very nice additions.

Plus they require 6 months PITI in addition to the 25%, another hurdle.

In addition I have $23k debt from my undergrad and grad school which I think I will pay off in less then a year I believe.

And you cant elect anyone who could alter the blueprint.

triple net refers to commercial leases in a retail strip center, etc which requires the tenants to pay for three of the expenses (usually taxes, insurance, and common areas)From your additional posts, I see this is in fact an apartment so never mind the NNN.

So, anything to tell to this guy in addition to "Where the hell is my damn money!!!"

This is why all lending contracts make a provision to take care of those taxes or the lender will step in and pay the taxes and add it to your loan proceeds amount which is owed.

I am hoping that I will be able to develop a strategy that will hurry additional seed money along.

In addition to what Richard stated, your "option contarct" does not give you equitable interest in teh property and therefore, you legally could not market the property for sale as if you were the owner and for example, have an open house.

I am not saying that is a bad thing as you SHOULD be paid for your services, only to point out your opinionated statement does not come without bias.Alfred,If you are not "too hot" on retirement or tax deferred vehicles, you need to get hot as they are one of the greatest strategies/advantages to planning for retirement.I would NOT suggest you pull the cash out with your 20 month deferred plan as you will not only pay the marginal tax rate on the withdrawl, but you will also get hit with an additional 10% penalty.That said, you will basically end up with only 1/2 of your funds after taxes and penalties.I would strongly urge you to reconsider that course of action and educate yourself more on the subject, both right here on BP and any other sources such as books, news articles, programs, etc.If you are self-employed, I believe the solo 401k and now, the 401(a) plan to be a great choice over the SDI.For those you are not self employed, the SDI is a great feature, much more beneficial than IRA accounts managed by others who ONLY care about how many fees and commissions they can earn from you, regardless of the fact that you make or lose money.There are several legal and moral strategies to use qualified plan funds and benefit yourself outside of the plan all while benefiting the plan at the same time.