I am planning on buying our first property in Nov. 2017 and have about $100K to put towards that. 

Good luck, I've heard there are some bills moving through the state legislature to actually increase taxes on business in California since presumably they all have more money from the Federal level cuts.Nothing like living in a totalitarian tax confiscatory state, great way to promote business, innovation and growth.

Which leads me to ask, as you have, what created the catalyst for a prospective lender that they care?

In Nov 2004 I purchased my first home in the Belair-Edison neighborhood of Baltimore City.

. :( Thanks for sharing your thoughts I am afraid repairs and new construction is still made up of putting materials together, however, repairs are more uglier due to innovations of "repair" materials, if they are ripping the build materials, and replacing the same, it should be fine.

Welcome to the site @Akash Thakkar Bigger Pockets is the most innovative and educational site available to learn about real estate investing.All the best to you!

In nov. of last year joined BP to improve my RE iq these are the type of discussions that allow multiple perspectives from seasoned pro's and newbies a like...I'm always up to learn.  

Thank you for clearing this up,John FedroMight see my post, you're correct, using a trust isn't illegal, but using a trust to circumvent the DF Act doesn't fly, as no scheme or method or innovation may be used to circumvent the intentions of the Act.

Hi BPI have been meaning to come back to update you on my journey as investor/Realtor.First off, thank you being the catalyst and helping me through this process.

@Tim Milazzo Thanks for the response,  I definitely want to check out Stacksource when the time comes for financing, as I feel this is the type of innovation the RE industry needs.