I didn't expect things to move so quickly and thought I'd have a bit more time to hint someone down.

with a hint of expectation that we are going to scream out "Horrible!!"

Those are all nice hints I suppose.

You are going to get into trouble Mindy ;) @DavidFaulkner I like the subtle hint there.

There is absolutely nothing illegal again nothing illegal about my investment strategy and I resent you even hinting that there might be.The only reason my investment strategy is going to work is because even now at 1 a.m I'm still researching,checking properties,crunching numbers etc while a lot of investors are asleep And certainly not because I'm trying to acquire property illegally !

So, in short, you have to look at both the supply and demand side and the above are some hints on how to assess those.

Account Closed  Thank you both for the reply and hints.

As hinted above, the 15% down one will be less expensive. 

New construction by the way is one of many economic indicators that can hint were things are heading. 5 months of CONSECUTIVE pending sales decline in California sure is a sign of a cooling of some sort... right when it nears the 08 pop level is enough to spook the alert. 

Since I do not have the background in R.E. like most of you I am not familiar with sacrifices, expenses, hurdles, failures, successes, hints, tips, and tricks to making something of this size work out.