Here in Chicago, demographics are extremely segregated and violence along with it, enough so that I'm surprised the federal gov't hasn't made more of an issue of the segregation (but that's a soap box for me to stand on in a different thread).

Speaking of France I'll be taking my wife to France next year for our 10yr anniversary.

only accepting people with a good DTI and are financeable in the next 12 months" ,,,I like the ring of that John,,,,I like the ring of that alot,,,,,I wish more investors would embrace your attitude and understanding of the thing,,,,,See,,,,I always want the guy to get his house",,,,,,I don't want to give a family false hope ,,,,get them involved in something like this and have an unhappy outcome,,,,,I think its an "ethical thing" ,,,just my 2 cents guys,,,I'm stepping off the soap box nowThanksDave DoyleLos Angeles,,,

One last thought and I'm off my soap box.

So even though I borrowed much less than 50% and paid it in 20 days, I can't take another until the anniversary of the loan.

I have seen  people turn an everyday average "carpet, paint, baseboards needed" into a full blown new custom kitchen with soap stone counters and marble floors throughout and wonder why and how they spent $60K when I told them it was $15-20K tops for the neighborhood.

*Takes a deep breath before stepping on the soap box*We did not used to take such a fee and found we were inundated with tire kickers.

My one year anniversary at work will be this June and I plan on buying a house.

I'm coming up on my 1 year anniversary (March 31st) of retiring from my Corporate job and doing real estate investing full time.  

Stepping off soap box now...