Why be all dramatic about it?  

She also said every loan in California has to be originated by a licensed broker, but I'm not sure every lawyer would agree with that.I would be careful taking advice from a public blog like this, lending laws are complicated and have changed dramatically post crash.  

Dramatically cuts down on the number of people calling who will flat out not qualify.

@John CollinsI know what the cost of living is in those cities and unless something has dramatically changed in the last 8 weeks, they have had low COL vis a vis the Bay Area for the the 25 years.

I often find that the assessed value is dramatically under market value and it's not uncommon for me to see a $600,000 home that is assessed in the 300 or 400s.

I job hopped (Indiana salary to Bay Area salary then changed employers again) which increased my salary dramatically in 5 years which enabled me to buy more properties.I would love to network with other women investors. 

What I find most IRONIC about this is the timing..........natural gas companies stop leasing claiming they have no money left for leases they were buying up like hot potatoes and simultaenously the oil (gasoline) prices have dropped dramatically..............hmmmmmmmmmm

If I don’t hear from you in the next 10 minutes, I will assume you aren’t attending and I will move on to my next appointment.Using this system as dramatically reduced any wasted time I used to endure as part of the showing process as well as giving me data about their timeliness/responsiveness/respect for others' time.At the showing, I collect their completed application (sent via PDF prior or filled out on premises), scan their photo ID and last 2 pay stubs.Then, I do some digging around online (social media, court records, Google) and if it looks like they are representing themselves to me accurately, I contact them to set up a "contract to hold" meeting - usually the day after the showing since qualified applicants need to be "closed" ASAP.

It was a constant stressor that dramatically impacted my quality of life. 

So those NOT investing in these high appreciation markets risk not being able to buy in those markets.I have plenty of examples of relatives that never bought in Brooklyn, but rather rented.Over the 21 years I have invested, those relatives seen house prices move up so dramatically, they not only cannot buy, but their children won't be able as well.An example is one of my properties I bought in the year 2000.