http://loanmodificationfoundation.com/2009/01/differences-between-refinancing-and-loan-modification/in the "article" it says "Homeowners don’t have to pay the closing costs upfront because they just add them to the loan amount but [u] and it increases the overall interest you pay to the bank over time."

Or your last tenant loaded all your copper pipes and wires into their U-Haul when they left?

U can use loopnet to get the agents contact info,also use cl,get in touch with investment brokers in your area theyll lead u the way,landlords as well

[b]thx for the advice. do u think refinancing would be worth it?

David how u even find out about california owners losing properties thee?

Im sure its been discussed here before but i havent seen it or maybe have overlooked it,but is their a liimit in deals or how much a credit union will finance you on multifmaily properties or a certain credit score you would have to have...please state your experiences with dealing with a local credit union below please,also would u have to be doing buisness with this bank already

I took him back.Mark U- keep up the good work.

Thanks and please let me know what u think.

I use Able Property management for my commercial property.DO u have a good local handyman / painter contact in Bakersfield?

Homes are less than 15 years old in the area and many are only 5 years old.I put a video showing my results and how I used my spreadsheets here: http://dl.dropbox.com/u/59325075/2011%20Example%20Bigger%20Pockets.mp4I'll leave the video up for a few weeks.