I just spent a week fishing north of Bozeman and the average sale price for an SFR right now in Bozeman is 500 to 700k which is a city house on a city lot.. 

I know the fishing and crabbing is good which is a hobby I wish I did more of but has nothing to do with the investment thesis.

He worked in the water department in a Northern CA town for 30 years I helped him buy his home which he had paid for .. and we had many plans to do what we both love go trout fishing ..So there is a balance.. and for me being north of 65 I have all sorts fo business I work on every day I work harder now than I did in my 30s when I lived in the Napa Valley and play 140 rounds of golf a year.. at this age what else is there to do..

I honestly don't know that his shop would even know how to process that loan, that's not EXACTLY the pond he fishes in.Bloomberg, 2018.Original article headline per the URL: "Small time Bankers make Millions Peddling Mortgages to the Poor."

People are having a hard time finding deals because they are all fishing out of the same pond.

And rather than giving you a fish let me teach you how to fish.DUDE you are a sick individual!!

So yeah, I basically understand it as both parties should pay, but enforcement is loose and if you are buying small properties there is low chance of getting caught due to a small fish/big pond scenario.  

Compared to what you did which was househack a small  multi and the absolute best way for someone to buy their first property full stop.while there will be sub to deals out there they will a a very tiny fraction of the RE market as a whole so your fishing in a bucket instead of the lake..

You have certainly lived by the proverb: Give a (wo)man a fish and you feed them for a day; teach a (wo)man to fish and you feed them for a lifetime!

Targeting the right audience is what is giving me a60%+ conversion rate, and huge profit margins/deal.The point I am trying to make in layman's terms is simply this.You are debating that if your mission is to catch fish, it is better to swim after them with a bat and beat them to death, than it is to swim after them and beat them with a pool noodle, or an inflatable rod that (is much harder to swing under water).That is my point.