You might want to check if the SS money is disability and ask how long they have had the disability and how long it is expected to continue and when was the last time SS reviewed their qualifications. 

The unscrupulous investor will: Have the homeowner sign a Quit Claim Deed in which the homeowner signs over their ownership in the property.Fail to explain to the homeowner that they, the homeowner, are still responsible for the mortgage.Fail to warn the homeowner that they could be violating their “due on sale clause” with their lender.The homeowner is usually elderly or part of an at-risk population (English isn’t their first language, disability of some kind, etc.).The Division advises the following when it comes to these types of rescue transactions: Don’t sign any documents or a deed to anyone until you have had a chance to talk with your lender and an attorney about your mortgage obligations and your legal rights.Colorado has a Foreclosure Protection Act that affords you certain rights when you are financially distressed.It’s best to take proactive steps when you first start having financial problems, and here are some resources that you can contact:Colorado Housing Connects – Colorado Foreclosure Hotline – Colorado Bar Association “Find-a-Lawyer” – Colorado Legal Services – Disability Law Colorado (Formerly The Legal Center for People with Disabilities and Older People) – 

The VA loan is powerful - no money down and no PMI - can be split across properties - caps out in the Springs around 495k I'm sure California is higher - there is a funding fee that increases up to your third time using the loan but in my opinion it's still a better deal because your interest rates are typically .15 -.50 lower so you make up the money in the longer run - If you are a disabled vet more than 10% your funding fee gets waved.

If you own fewer than four rentals and you don’t use a broker or agent to rent your property you don’t have to adhere to the fair housing act.You aren’t  required to modify the property at your expense to accommodate the disabled Tenant.

If I can jump through all the hoops.. my debt to income ratio is on my side, its very low. income tax season is here, so that will help me out. one issue is; my work has been slow the past couple months, only working 2-3 days a week. but we are finally picking up and should be busy for a while, my YTD income/income over the past 2 years has not been very good due to having 4 surgeries(work out injuries).... although I was collecting short term disability all 10 months off work. hopefully the bank see's how much money I make a week now and everything works out, wish me luck BP FAMILY :) 

Whenever I have open houses on large properties or absolutely must meet a client for the first time, outside of the office (usually due to a disability or rural location), I'd typically bring  my husband along.

April 2017 my husband started to become really sick and was diagnosed with issues that have kept him from working and on short term disability.

Irs and FTB definition:Eligible Small Business For purposes of the credit, an eligible small business is any business or person that: • Had gross receipts (including that of any predecessor) for the preceding tax year that did not exceed $1 million or had no more than 30 full-time employees during the preceding tax year, and • Elects (by filing Form 8826) to claim the disabled access credit for the tax year. 

@Nick if you are self-employed and couldn't make your payments (not just on your real-estate, but on other debt and bills) for a few years without your income, I'd get short-term and long-term disability insurance in place for you and any other breadwinner if you don't have them, they are expensive, but will protect your assets and lifestyle for your family in the event that something happens, regardless of a downturn.

I'm fortunate to have good employment and a decent VA Disability check in the meantime.