local is always good, CU's are best IMO - start with citizens, walk in and tell'em you want a mortgage get some coffee and chat it up at least get information and see where you stand from the banks perspective and what they're willing to do.

Your main advantage right now is that you have CASH -you can walk into *VERY* nice deals and enjoy good rent profits without trying to beat out a mortgage or risk crazy rehabs.

If you can't make a decent profit, walk away.

I can pretty much set my own schedule and can work from home some, so it fits well with the RE stuff.

The house is finished with higher end things (granite hardwood etc) and it has 2 walk-in closets in the master and 1 walk in closet in the other room.

., whatever pattern makes sense and fits the time you have available.

You will likely need an architect to create some plans and elevations and/or renderings to show your proposed building will fit in with the neighborhood.

.- I walk out to their car and make sure it's neat, messy car they'll wreck your house.- I schedule an odd meeting time like 1:15 Sat and say I'll only be there for 1/2 hr.

Jay VelasteguiI don't know if its more lucrative but it fits my long term goals and lifestyle.

Having patience goes a long way - feeling like you HAVE to have a specific deal will put you in a bad position at the bargaining table...you should always be willing to walk away.