Dave Foster Thank you sir.

Like Dave Foster stated, appraisers all over are gun shy because they were a big part of the 2008 crash.  

I'm working with Doug Foster and he's great so far.

Though I’m open to investing in Tahoe, I won’t be able to live there while working (it’s a 4+ hour drive) so I believe that’s out for now.Current situation: Excellent credit Down payment ready, though I am confirming exact number with my father who is planning to help with this Working in San Jose/95125, would prefer to not have to commute more than 40 minutes/day Family is in Sunnyvale, Foster City, and SF so I’d rather not move too much farther south than SJ My skills: I’m extremely detail-oriented, good with numbers, and work in Marketing for a living.

@Dave Foster, thanks for the great info.  

@Dave Foster Thanks Dave!

Family Member is defined as follows, regardless of actual or perceived sexual orientation, gender identity, or legal marital status:  child, parent, or grandparent; o a child is defined as a son, stepson, daughter, or stepdaughter; o a parent or grandparent includes a step-parent/grandparent or foster parent/grandparent;  spouse or domestic partner;  legally adopted son or daughter, including a child who is placed with the Borrower by an authorized agency for legal adoption;  foster child;  brother, stepbrother;  sister, stepsister;  uncle;  aunt; or son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-inlaw, or sister-in-law of the Borrower.Or these other exceptions:(3) Exceptions to the Maximum LTV The 85 percent maximum LTV restriction does not apply for Identity-of-Interest transactions under the following circumstances. 

@Stephanie Foster If distress is your cup of tea Ogden is probably your best bet, also it is one of the cheaper markets in Utah with a decent sized population.

I think approaching it that way would be a lot more effective in fostering a relationship.

@Dave Foster  Thanks for the reply and insight there!