Careful @Frank GallinelliThe 50% rule of thumb is like a religion on this board.

Just like the bible says about religion: listen and use discernment. 

Those lenders do not care about race, sex, national origin, religion, or anything else.

However, fair housing laws as interpreted by the California courts make the process a little more complicated.Fair Housing FoulThe Unruh Civil Rights Act and the California Fair Employment and Housing Act prevent landlords from discriminating between would-be tenants on the grounds of their sex, race, color, religion, sexual orientation, marital status, ancestry, national origin, source of income, disability or medical condition.

city county state regulators generally don't enforce deed restrictions.its up to the community were the restrictions are placed.. if its just one parcel with the restrictions.. you as declarant would have the right to defend thembut no one else if they are not subject to the same deed restrictions.it goes both ways.you look at CCRs from the turn of the century up until about the 50s  and there are all sorts of un enforceable things.having to do with Race religion  Chickens Pigs other live stock.. 

Sorry, the world is not that simple...even if people desperately want/need to believe it is...I guess that's why religion is so popular...

Kevin- My religion teaches to be prepared and food storage and water is the cornerstone.

Dan,Generally, you can not comment about "protected classes" -- race, religion, gender, national origin, color or familial status.

Fellow rookie myself and everyone on this site is pretty cool.Josh is the man and there will soon be religions based on him.

Here are some more of his quotes:ON RELIGION:"I have recently been examining all the known superstitions of the world, and do not find in our particular superstition (Christianity) one redeeming feature.