My PERMANENT portfolio is my SDIRA; I try to buy more solid performing notes that I won't need to work on (although they haven't all panned out that way...). 

About Westchester, NY:- One of the most expensive places in the US, maybe the world- Supply is VERY low- Houses are no less than like $600k-$700k, I'm also getting outbid a lot.- Now Foreclosures may be a good discount but at the same time I already know that there is aLOT more risk to this.I already have a real estate agent, a mortgage broker, and am getting connections to contractors and so forth.My few Questions are:- Do I need a real estate agent in this process for foreclosures?

This means I make more per deal than a typical wholesale assignment.3.

If will be more work for me which I am willing to do but is it worth the headache and risk ?

The fee is pretty high for a service that probably was more valuable before the internet.

Winter always sees fewer people moving, but a lot of people were transitioning for the last 4-5 years.

Very interested in hearing more.

That applies to replacement cost only and only if more $ is needed to restore the home to a pre-loss condition than what is available under coverage A.

Going through the experience and taking action will add more to your future wealth, then getting stuck in the numbers - CoC or ROI are not set in stone, and they also are just snap shots of what you see today.

Maybe get 0.5% but your rate is going to be a lot higher.