You have a cute kid on your shoulders. 

Their recent pullback in some affordability-oriented programs feeds into a broader debate about the extent to which they should shoulder risk to make homeownership possible for modest-income borrowers.

@Ari Dubinsky - I've got one super easy tip if you are stuck on finding the right property: partner with another experienced investor in the area.Experienced and producing investors have properties rolling off their shoulders, you just need to be there to catch them.Find an savy investor in the area and see if you can provide value to him/her for free.

Think of how much opportunity cost there is doing minimum wage activities that the property manager can take off your shoulders.

I would be the guy offering $147,500 and praying the appraisal comes in low so I can shrug my shoulders and ask for a price reduction in escrow lol.

This is my shoulder season, and I’m barely making it this month...but still positive.  

But, I also have no problem shouldering the losses each month.

When we first got married we looked at an apartment behind Ted Drewes-a great area-that my shoulders brushed the walls of the bathroom and I'm not a large guy.

If you don't have clean, ready to use financials that's something you'll need to tackle.Most reputable tax firms will not allow you to watch over the shoulder of tax staff while they prepare your tax returns. 

I have to continually look over their shoulders to be sure things don't fall apart.So I began to wonder what will happen when I die...will my children handle my buildings and truly benefit from it?