I'm also looking for a HML and Its been difficulty. 

For example, before you acquire property make sure you are able to refinance and rent it out in the event you are having difficulty selling.

@Anthony McEvoy I want to learn about how past changes in technology have impacted systems such as MLS and how people at the time responded to those changes. 

I've come across several clients so far who are having difficulty qualifying for a mortgage and may benefit from a lease option deal. 

Maybe I'll start a whole blog here on  technology to address questions like this.  :-)I don't want to hijack this thread, though.  

They are old school and definitely not technology savvy, but their paperwork seemed thorough and organized.Maybe it should have been a warning signal when they handed over a wad of unmarked keys.

But if I'm in the field and not in position to take notes or know cell service is reliable I don't answer; but a call back is always quick.I'm really disappointed by the difficulties you are having.

I think its great that in a more technologically forward region like Oakland is already starting to be digital.

I do not have any w2 earnings so I have been told that getting a loan no matter the money I put down will be difficult. I

I'm not sure if its fear of failing again, if you want to call it that, or just the difficulty of starting over.