"Sooooooo I need you to call them and then fill out their forms and then I want you to setup calls at good times of day, and they may not answer, but I want you to keep calling until they do and then I want you to get together some records for them and I want you to fax a copy to one of their people and they don;t use email so I need you to go to a notary and fill out a form you can get from a small shop 45 minutes away and then make a copy out of geniune Elks blood and paper made from the skin of the an elusive Yackani fish"....

Can you get a duplex (or 3-4plex) using a FHA loan with 3.5% WITH a non-occupying cosigner, such as a blood relative?

Big net earnings for years.all of that gets me 1 point and 6.5 in Oregon ( might be able to get 6 but I have 6 to 8 million out with them so I am not going to argue LOL)  and in Charleston I get 1 and 5.5%  one million line of credit there.that's as good as it gets from someone as you said that is not blood kin.. or fell of the turnip truck and struck their head.

My uncle is a carpenter, my aunt a real estate agent, so all this stuff is pretty much in our blood.

On the call, I'm more than happy to share with you a hard learned lessons or insight of mine from my unique life experiences:Running algorithmic trading for the world's largest hedge fund, Bridgewater Associates (Ray Dalio's fund, author of Principles)Living in Hong Kong 3 yearsFounding and running an AI and machine learning focused development agencyTrading bitcoin since 2016Spending a month crossing the Pacific Ocean via a cargo ship Surviving a near death motorcycle crash in Laos (7 surgeries, 2 blood transfusions later I'm still here thankfully)Founding a VC funded real estate startupI'm more than happy to chat about any of the above and the many mistakes I've made or painful lessons I've learned relevant to them, and I'd love to learn more about your first hand experiences.In particular, I'm interested in learning more about: If you were mentoring me, what should I know for my first investment property?

<<No body has a crystal ball so unless you are certain that there will be a fire sale 2/3/4 years while you are in CD's, stay in the real estate game>>Agree but the best money is made when there is blood on the street .

You really can’t affford to spend much time on these people.As both an investor and real estate agent, I see it as incumbent on the investor to do their homework which doesn’t include trying to get blood from a stone by pestering the listing agent.

It didn't draw blood but really scared me as I am sure it could have been worse. 

I also poured my blood sweat and tears into the second property as a live in renovation and I find it very hard to let it go.  

Also yuge factor is the elimination by the Feds of the State property tax deduction, combined with many of those states completely screwing the people that are trying to flee by raising those taxes, and demanding to show where they lived every single day to show they actually left the state (hint, the blood sucking tax collectors in NY).