So we have $500 income most months (oil is so expensive).

As far as the down payment %, that is totally up to you. 20% would avoid PMI, but even if you did 10% with good credit, PMI isn't that much (probably less than $100/month). 

hi bpin new yorkCan you get your notary public license to notarize your own paperwork as far as service of affidavits served by another adult but regarding your case or eviction?

As far as just a clean cut away?

I was in LLC, in Texas you Get a charging order- as far as I understand.

I imagine we will see less and less of these subject-to transactions in the coming future as this method has been popularized by some famous proponents...As far as finding these deals, a sub-to transaction would most likely be found by trolling foreclosures and finding off-market deals like a wholesaler. 

There is so much data out there that shows the difference of a well-designed/photographed property compared to an Ikea property.

Now as far as countertops, I was gonna get new Formica, which I expect to be about 1600 fully installed with a new sink.

It is so true! 

Hi Tanjaree, here is what I found for the Waco metro area:Here are my rankings for zip codes in the metro area from best to worst-1.76706 (Waco) 2.76638 (Crawford) 3.76710 (Waco) 4.76630 (Bruceville) 5.76704 (Waco) 6.76640 (Elm Mott) 7.76708 (Waco) 8.76633 (China Spring) 9.76712 (Woodway) 10.76657 (McGregor) 11.76701 (Waco) 12.76691 (West) 13.76705 (Waco) 14.76655 (Lorena) 15.76643 (Hewitt) 16.76707 (Waco) 17.76711 (Waco) 18.76557 (Moody) 19.76682 (Riesel) 20.76524 (Eddy) 21.76624 (Axtell) 22.76664 (Mart) 23.76654 (Leroy)The Waco Metro also rates slightly above average compared to the rest of the state, making it a fairly safe bet as far as Texas goes.