I want to share my experience with everyone especially those people who may be a bit skeptical or maybe those who are not confident that they can succeed using Dean's strategies. It has not been easy, but I just got the paperwork for my 1st accepted offer!! I'm buying a bank owned property with absolutely none of my own money or credit. That's a good thing because I've been unemployed for the past 9 months so I have no money and my credit is fair at best. I have another offer that I expect will be accepted in the next day or two in addition to about 15 other open offers. How?? It's a long story, but I'll try to keep it brief. I purchased Dean's book in early May of this year, read it twice and joined the success academy at the end of May. Joining the success academy was a big deal for me being unemployed without much savings and a family to support. For the next couple of months, I did a lot of the coursework, studied this site for hours every day, looked at properties and tried to figure out which direction to go. Then, another setback. August 19, I had open heart surgery to correct a valve problem and an aneurysm which could have killed me at anytime if not discovered during tests. Upon my release from the hospital, I decided it was time to do something that I've read about and heard Dean talk about hundreds of times. That was to TAKE ACTION!! I had nothing but time as my activities were limited as I recovered and regained my strength. What better time then now? I called a real estate investment club close to my house to inquire about their meetings and membership, etc... Much to my surprise, the person I had contacted was an officer in the club and his wife was the VP. We talked awhile and I told him of my situation and what I wanted to do and I still cannot get over his response. He told me to bring him the deals and he would put up the money and we'd split the profits. He went on to say that if he didn't want my deals, he has at least 8 other buyers that he could pass the deal along to. Ok, so now I had a buyer's list and it only took one phone call! By the way, I joined the REI club and will probably become an officer when elections are held next year. You cannot have too many friends like that!! Next, I found a realtor by using the agent interview questions discussed in Dean's book and info on this site. I decided to target bank owned properties and HUD properties and spent September looking at homes and researching values and developing an offer strategy. I started making offers in October and quickly learned that HUD properties probably weren't for me as they usually go for amounts higher than their listed price in my target areas (suburbs of and select areas in Indianapolis). I incorporated Matt Larson's 25:1 idea and started making offers on bank owned properties. In the last 3 weeks, I've placed approximately 35 offers with 15 of them still open, one accepted and another very close. Two of them have gone back and forth with counter offers from the banks and me resubmitting my original bids. We get closer each week, but unless I can acquire a house for 35% off FMV less the cost of repairs, then I pass on the deal. I plan on continuing with my partner for 3-5 deals until I build enough capital to finance my own deals. My first deal will net me about $10K-$15K. If I get the 2nd as I expect, I will net approximately $20K. My goal that I set for myself at the beginning of October was 5 deals before the end of the year. I'll keep pushing and keep 15-20 offers on the table at all times. When I achieve my goal, I will be "retired" from the work force forever. REI is like a freight train...Once you're rolling, it's tough to stop! I apologize for the length of this but I just wanted to show everyone that regardless of your financial situation, you can succeed by using Dean's strategies and TAKING ACTION!!