There are brokerages out there that are cloud based only like eXp that could be a little more forgiving on your dues.

I'm a bit confused on the tactical side of your problems because I can literally Google right now and find dozens of "hard money lenders" and "private lenders" - my guess is that you have a bit too much of that self-deprecation that's clouding your thoughts.

She also said their property management team doesn't really like the area, because it would rent for around 1300-1400 attracting lower quality tenants and always having to chase rent in that area.  

I think it can cloud the business side of the deal.  

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Avail, Tenant Cloud, Zillow and others have California specific leases.

In addition, in the past 100 days, banks are getting a lot tougher on investment property lending.You could call the listing agent and ask, but you'd probably get more out of eyeballing it with a drive-by and comparing it to comps.In sum, I guess I'd be aware, but I wouldn't let it cloud me from looking at it as an investment for returns - AND I'd get a full list of disclosures signed by seller and go thru it.

That would leave a lot of room for profit.title insurance covers discrepancies in the title itself, like unexpected clouds on title, not physical discrepancies.Home insurance ‘might’ be able to cover some of the issues. 

Senior liens, such as a first position mortgage, would survive a Sheriff Sale or foreclosure auction related to a second position lien.This idea too, understanding clouds on title and risks to your interest, is something the title company who will sell you title insurance will help you with as in order for them to insure title you will need remove clouds.  

Investment Info:Other buy & hold investment in Saint Cloud.