The young millennial professionals are all about working and investing to have a bright future – even before their hair turns gray.

The owner of the 2nd lien did not appear as a secured creditor, and i was shocked to see the homeowner was able to get the 2nd lien dismissed in Ch 7 because they did not defend their position.Also with Ch 7, if they want to pay the debt back, they can affirm it and keep it out, otherwise all debts they list are discharged if completed the Ch 7.

However, when the creditor is able to reaffirm the information, the entry reappears on the credit report.I do credit restoration, but I always tell clients that things removed that are factual or affirmed MAY reappear in the future.

I wanted to rip my hair out!

I just need that kick in the butt so thank you for affirming that action is the best remedy!

Just an experienced 66 year retired grey hair old fart!

It sucks because most the time anyone with gray hair gets treated like crap.Skinny jeans walks in and husband and wife make $160K and they get the great rate and another loan in less then a year!

The neighborhoods and tenant quality are not the same. you can refinance your existing asset in bay area and then explore the market you want to be in. i am in the memphis market and can affirm the deal flow from good neighborhoods is non existent right now. the SFR prices have shot up in price considerably at 2 to 3 X The deal flow from Inland empire in southern ca is actually better and numbers are the same as OOS investing.I would encourage you to look at an hour away from SFO e.g.

The person at your local Cost Cutters or Great Clips cutting your hair has gone through more schooling and licensing than it takes to be a wholesaler.

Because i am an old grey hair investor who has lived in Austin since 1998 it is hard for me to pull the trigger on these crazy prices now but I do feel that those who are comfortable with the appreciation model could do very well in this environment.