So, I'm basically making it plain...

They are sick of years of chasing after them for their money .

Less bedrooms equals less money plain and simple .no I would not do this , but  I’m in business to make money.. not lose it so that’s up to you .

This is based on the theory that part of the purchase price that is "spread out over payments" is a payment for the use of the money, or, in plain English, a finance charge.

There's a word for that.With any lease involving more than one signer, include the words "jointly and severally" in your lease, along with a plain-language explanation of what the terms mean:  even if your co-tenant moves out, doesn't pay, causes damages, incurs violations or fines, etc, you are BOTH responsible.

@Chase Louderback @Greg Dickerson my list is specifically for quadplex's so what do you both think about the chances that they're owner occupied (75% of the list based on the physical vs mailing address) and distressed landlords that are sick and tired of their situation whether they're self managing or tired of being landlords?

Also, I would avoid any houses in flood plains and it would be difficult to obtain insurance from what I have heard. 

., the guy who just about lost his shirt and needs to liquidate his assets for $0.70 (or even $0.85 for crying out loud) on the dollar--and these kinds of people typically would need a cash, not an FHA, buyer anyway--or that older widow who's sick of dealing with tenants but still wants the monthly cash flow and would be open to seller financing.  

White plains, NY (like Stamford but smaller footprint) is going to explode in the next 5 years.

I didn't have enough sick days to pull this off so we went with a remote closing with a title company in Virginia.We finally closed on the house in Mid October.