It was 10 up till Aug 2008; then b/c of the Fannie guidelines, it was 4; then when all the buyers went away, the gov't raised it back to 10 in Oct 2008; then in Nov/Dec 2008, it once again reverted to 4; and as of Apr/May 2009, when I was trying to do a refi, 2 banks told me that 7 would be the new number "soon" but, alas, it's still at 4.Or am I talking about some other type of loans?

Bigger Pockets is the most innovative and educational site available to learn about real estate investing.

Couldn't really find a FORUM for this topic, but here goes and I think this should qualify as a innovative strategy question...after all I'm sure there are others out there that wonder the same thing.When driving for dollars D4D, and I have come across a ton of abandoned houses that are not owned by the city/county.

I have lived in the Bay Area since 2000 and have seen the dot com boom and bust, the 2007 RE boom and bust and the unprecedented 2010 to 2020 bull run both in the RE and the stock market.In my opinion, so far the Bay Area has been a juggernaut mainly due to the innovation and jobs, with Covid and many companies providing flexible/remote working options, the demand for housing “can” decrease a bit in the bay area but it is not fully clear yet by how much.

I joind this WORLD in nov 1969.CoolRide

But the idea stems from a 2015 white paper from the Economic Innovation Group, a D.C.

How will the real estate market be impacted if Romney is elected in Nov?

Just wanted acknowledge you guys and gals, and see who is out here executing great buisnesses, innovating, and pursuing this journey in real state in the city that I am in!

You will need some down payment, but if you're innovative you may be able to get a 2nd from the seller (are those still kosher for traditional financing, btw) or maybe some first timers loan with a low DP requirement.

Howdy @Travis HewlettCongratulations on being innovative.