They didn't exist. 

Whether you’re looking to secure financing for a new property or refinance an existing one, I can offer the guidance and support you need to make the most of these opportunities.

While you may not qualify, it's crucial to know what exists so you can have informed discussion with your accountant.

I am not a bankruptcy expert, but isn't that procedure used to release people from existing debt but not monthly expenses.  

**Mesa's Eastmark area** - Strong school districts driving family demand Property Types in DemandThe most profitable flips currently involve:- 3-4 bedroom single-family homes built between 1970-1990- Properties with pool potential (but without existing pools)- Homes with generous lot sizes that allow for expanding square footage Renovation Trends That SellPhoenix buyers in 2025 are particularly drawn to:- **Energy efficiency upgrades** - With Arizona's extreme temperatures, smart thermostats, improved insulation, and energy-efficient windows offer significant appeal- **Outdoor living spaces** - Covered patios, pergolas, and native landscaping that requires minimal water- **Modern desert aesthetic** - Clean lines, earth tones, and natural materials that connect to the Sonoran landscape- **Flexible spaces** - Home offices or multi-purpose rooms that accommodate remote work Challenges to Navigate Water ConcernsThe ongoing drought situation means water-conscious renovations are no longer just trendy—they're essential.

Building on existing land helps eliminate the issue of land scarcity, which is a significant challenge due to California’s high real estate prices.

Real Estate Professional status is explicitly not recognized by California, among many other beneficial tax rules that exist on the Federal level.

Quote from @Roger Paschal: Quote from @Quentin Hollis: I'm currently working on my first real estate deal and will be buying a property subject to the owners existing mortgage.

In return for excellent service I'll be offering repeat business and I'll happily provide referrals to my existing investor network for those top performers. 

I wouldn't buy existing.