Just buy the F*ing thing. You'll spend money on it, and learn how to fix stuff (which will save you money).
You'd just spend it on hookers and coke otherwise.
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My advice is to buy the thing. If it is indeed a clean titled bike then if you decide that you dont want it after you pick it up I will buy it off you for the $500 so you have lost nothing.
If its the wheel itself that's locked it could only be a seized caliper or bearing really. However if its the output sprocket that's seized causing the chain to bind and keep the wheel from rotating thats potentially a lot more serious. See if you can get the thing in neutral then unlock the axle nuts and with the chain off the rear sprocket see if the wheel will rotate if it doesn't see if the front sprocket will. If it does buy it no question lol. Calipers are tit to rebuild, trannies not so much.
The clean titled frame alone is probably worth the 500 bucks.
is it parked in gear?
IMHO If it looks clean and you don't mind the fact you MAY have to put a motor in it... screw it, buy it. It could be something ridiculously stupid and the guy that told you it might be a fork lift bearing may just be too stupid/lazy to deal with it himself. Mechanics make fortunes off people like that every day.
Get it running and you'll have a cheap spare bike for the track that you can add parts to as you need to and enjoy the (albeit slightly more expensive) process of building a track bike and learning to do so.
$501...
there is no way in hell your going to lose money on it...
Buy it, figure out exactly what is wrong, if its going to be too much to fix, then part the fucker out, and double your money... hell a straight frame with a clean title, from a non-wrecked bike should net at least a few hundred bucks....
did she buy it?
if this motor is popped then this will be a shit show... ask me how i know... i just went thru a rebuild of my sv and total cost incurred with a motor swap were over 1500...
bike was sold...
hehe geuss that means for me to keep saving for a track bike ;)