I have to filter for : resilient, smart, adaptable and willing to work through any problem.

I'm a city boy with country roots, so while adapting to the area has been somewhat challenging, it's nice to be out of the hustle and bustle of the city.

I think there is an unmet need for this kind of help to many older owners and empty nesters who may want to downsize or reinvest.In fact I am in that situation as a homeowner who wants to downsize and reinvest.You could shop for owners using wholesalers rejected offers.Those wholesalers who felt that the owner was close to selling but just needed a little more incentive.The wholesalers can also give you an idea of the owners capacity to enter into something like that.

Our goal is to always start out attempting to buy for the lowest price possible price and adapt the buying strategy if needed.  

Calculated risks are acceptable being dependent on the rewards, having moved through the middle age group, opinions, attitudes and ethical outlooks are well established and are harder to change or adapt. 

The reality however is that in a complex adaptive system like the world's economy for you or I to pretend we can predict the future is to deceive ourselves.

I would advise 1 over 2, because assessing and adapting your strategy is a much more robust way to invest.

I have kept pace with Central Kentucky, adapting to the area's rapid growth and changing economy while maintaining exacting standards and integrity.Helping clients buy and sell Real Estate in Lexington Kentucky area.

You'll need to have the seller (or potentially the lender) pay for it.More details on not allowed fees are here:http://www.benefits.va.gov/homeloans/purchaseco_lo...As for grants, just in case the disability is such that the home would need modified for physical access etc... the grants fall under Special Housing Adaptation: http://www.benefits.va.gov/homeloans/adaptedhousin...Hope that helps!

I see these smaller banks in a state of flux and constantly adapting.