But that is another subject also.An interesting observation.

Next you'll have to use your own observations to make some additional adjustments.

I took a quick stab at it and here are my observations:1.

Ask questions, observe, and learn.

My most common observation was that poor people trying to get rich out of real estate are usually destined to fail because they are poor for a reason.

You'll go far with this observation

So, a few observations...First, you say that you LOANED some of the purchase price..

So the above is just some of my observation of foreclosures ---- you would always be better being arm's length with people who are about to lose their home, that is have an agent represent you.

You can drive by and observe, plus you can stop and ask the neighbors about the dog (although there is no guarantee that any neighbor will be honest about that).

As long as your drug usage conclusion is based on observations other than a protected class, i.e. its not because you assume they are drug users because they are young and black, but instead smelled drugs and observed erratic and irregular behavior, you are fine.