I'm fluent in Finnish (native), Polish (native), English (native), Swedish (excellent), German (intermediate/good), and now studying Spanish, thanks to my Texan wife Jenny, who's family is from Mexico.EXPERIENCE & REAL ESTATE BACKGROUNDWe (my parents & I) I accidentally flipped my apt in Finland during my college years (I give all credit to Mom & Dad).

The "press 1 for English" type menu does not make the callers feel like their dealing with a local investor.CallRuby.com looks good, except it is VERY expensive.

Words that are commonly used in the English language suddenly have different meanings in Legalese.

@Justin Fox @Joey English is only partly right.

Their idea of a good investment doesn't coincide with mine, but you can often find someone who have actualy been there and looked in person.As a plus, it is an English language site.

I found more gentlemen and I hope we can pursue the REI like them.I am not good at organize people together or meeting or like this, especially English is my second language.

@corby Goade sorry if I didn’t really make myself too clear , moving out of nyc is not an option , my parents don’t speak English and don’t drive , living outside of nyc is pretty much impossible for my family , also 20k I make on the books , I make another 20k a year on tips .

Thanks God for this website and sorry guys but my English is only "one year old".

I have learned a lot and I have it written down and well kept haha. sorry if it is not well understood use the translator is not very good English .. blessings

@Jeff B.Loan to Value is a new term for me can you explain in english?