Heating costs go up in winter, as does electricity due to the reduced natural light and more people indoors.

And you can do it with little cash, 5% down conventional is better than 3.5% FHA.House hacking also gives you a chance to cut your teeth in all major skills: analyzing deals, buying process, financing, working with contractors, advertising for rent, background checks, property management.

Maybe it's a processing fee, an application fee, etc?  

I am in the process of suing him and just finding out now that he's done this not once, not twice...But 4 times AT LEAST.

I have actually done this and can say that it is a pretty complex process with many rules.

The systems you have in place to handle leads, follow-up and your sales processes are also huge factors.Another factor is what is your monthly marketing budget?

Insurance- need a broker.PM- farm out or you better be good at process management. 

We got a bit delayed in the permitting process...We had to get a geotechnical report done due to a slope on the back side of the property, but are now back in process again.

Actual foreclosure is on the East coast a Sherrifs sale and you can google the state and sherrif sales and the rules will be on the websites.. but its one of two process's either it requires a non refundable deposit if your the successful bidder or you need full cash at the sale.

I do have experience working in Mortgage Processing and more recently Commercial Underwriting, so if anyone has questions in those areas I would be happy to help any way I can!