First of all, thanks to everyone who participates in this forum.

There are hard money programs that would allow the borrower to get to 100 CLTV, but it would require increased seller participation (on the magnitude of between 35-40%).

You could work on finding investors who want to participate in deals rather than focusing on the properties.

Thanks John-I replied to your PM.For the other readers, I do the following (without URLs):Forums I participate in:Bigger PocketsAgents communityReal Estate Webmaster ForumBlogs I write on:My websiteActive RainOther social networking sites I try to comment on to make sure I am getting my name/website out there:TechnoratiMyBlogLogZillowTruliaAnd then I am trolling around looking for other place to post.Actually, I really have a tough time finding any other Blogs that talk more than a post or two about investment real estate.

As for the ethics of any transaction I work on....I've built my business based on the premise of doing no harm to any participants involved in the transaction.

Glad to have some more non-US participants.

Hope to see you participate and help new members in the years to come david!!

I hope you will visit all of our forums as well as participate in giving your own advice as well as experience.

Feel free to ask all the questions you want and participate by giving advice to others as well.

To participate in this contest, all you need to do is welcome posters who have introduced themselves in the New Member Introductions forum.