There are deals to be found - I've had some success with courthouse step foreclosures, but generally they make sense for flipping, not buy and hold (after rehab costs), since rents just aren't high enough to satisfy any of the "rules of thumb", be it 1, 2 50%, etc.One of the challenges in NorCal is that too much of the money is derived from few industries, so there is a lot of sensitivity to fluctuations in those areas with resultant impacts to the RE markets.

A few definitions to know in this domain of land development:Raw or unfinished lot cost = raw land prices divided by number of lots derived from land planning actions Finish lot cost = the cost of the land, development impact fees related to land, and common infrastructure (i.e. streets, sidewalks, parks, schools, etc)Residual land value (RLV) = analysis of home prices less all cost to complete and what remains is what a builder can pay for land.

When you have ALL the right data, you can accurately pencil-in the expenses and get to an NOI to derive the CoC & CapRate. 

The cash flow derived in a year would be sufficient to go towards the down payment of a property but this is, in my opinion, way too slow to grow. 

The math used to derive the FICO score is a tightly held secret, but they like to see SOME on going obligation.  

The emotional and/or physical benefits derived from the animal living in the home are what helps determine that the puppy/dog is an assistance animal.By the way, the term "registered" and "certified" has been promoted by companies who are in the business of making money. 

As I raised rents upon move-outs, my NOI went up, generating a new CR - - so the CR, being a derived, non-fixed number, was driven by my rental policy, not the Fed, not the community and not my loan. 

See the income in an IRA will be sheltered from taxes if it is derived from a passive activity (example: rental, private lending, etc).

You are going to have a tough time if tenants are able to bully you, and if you are concerned about them damaging the property, you should ask your homeowners agent about a "vandalism rider" or some derivation thereof.

So my household income (my spouse and mine) is good enough (above $75K) to get money from hard money lender but my sole income is less than $30K/year which derives my question whether I can get financing easily considering my household income and if I have enough cash to put up front for a deal or does my spouse's name have to be on the deal as well?