Lenders have to pay their loan officers through a loan officer compensation plan along with the "Branch bucket".Lenders have offices where the manager has an override and then a P&L so they have to charge more either through points or higher rates.

Quote from @Pat L.: It still astounds me the dire self inflicted living conditions some people & their children will 'survive' in.

Quote from @Nicholas L.: @Andrea Leei hope you get some good recommendations but can you fly out there and meet folks in person? 

Karl l believe in you man, you have the experience you can find a solid tenant that will take care of your property. 

I agree with @Nicholas L. that the 50% rule is likely to be the more accurate indicator.   

Yes to everything @Nicholas L. said and also know your financial situation and have your finances in order to present to a lender.

Quote from @Nicholas L.: @Austin Wolfffair point, but there are also tons of threads on BP from folks in HCOL areas who bought a property in Baltimore or Cleveland or Memphis and got absolutely crushed by deferred maintenance.of course it's possible to invest successfully from California but it just seems like a lot of new investors are very much not set up to do it property. 

Quote from @Chris Kittle: Quote from @James Hamling: Quote from @Chris Kittle: Quote from @Nicholas L.: @Chris Kittlethat's a big one to start with. 

Hey @Alexander L Gulledge!

Hi @Nicholas L., thank you very much for your response again and the threads.