RM's are for people with insufficient incomes to meet their needs, and the house essentially will never have much equity.

Besides credit issues with buyers, in a lease-option this is the number one reason such consolidated lease-option agreements fall through, insufficient down payment.

If they do not (which is very likely from policies I have reviewed), then insurance alone is insufficient.

If you are only looking at criminal record and credit report, your criteria may be insufficient.  

. - If retirement income alone is insufficient, obtain firm commitments from an employer that meet the usual stability of income requirements.

This info will give you a decent idea of what to expect and help filter down your search to a few cities.Some of the metrics that the survey provides and that I find valuable to understand are:- Population - Home Values- Household Incomes- Rental Vacancy Rate- Homeowner Vacancy Rate- Poverty Rate- Educational Attainment Rate (High School/GED & Bachelors)- Number of Housing Unit- Rent to Income Ratio- Rent to Price Ratio- Population on SNAPS (supplemental nutrition assistance program) percentage- Property Tax Rate- Median Age of Buildings- Number of Structures by Units (SFR, Duplex, Triplex, Quadplex, etc...)- Median Rents by Number of Bedrooms- Unemployment Rate- Employment Sectors Percentages These are just some of the indicators that will help you understand the quality of an area as well as the kinds of returns one is to except.Also take into consideration the direction in which each of these market indicators are trending.

(If there is insufficient information obtained through this phase of the investigation, the Commission will schedule a preliminary session in front of a case examiner (attorney) and your presence will be required.)

Then the appraisal may be judged insufficient by the new bank if the appraiser used comparable sales that were six months old when he did the appraisal that is no longer relevant if you are trying to use that appraisal elsewhere 6 months after it was completed.I have seen it an appraisal assignment done but it is not common.  

If any one person is acquiring units at 90% LTV and have insufficient cash reserves then they are likely over-leveraged.

Being buy/fix-and-hold investors we have insufficient acquisition volume to justify this cost, so we usually resort to canvassing neighbours and/or bird dogs. 2) Are there any other free online sources where I can post my ads or contact motivated sellers other than Craigslist?