You can't just count on a zip code and think its all good or all bad.You can find 300K homes and 30K homes all in the same zip code!

The trick was that as heat rises, the wall cavity was clear, and air flowed up it and out the vented attic.

Does it mean as long as I don't do any of the above or all of the above?

I need a second mortgage to cover most or all of the rest.  

Even if the property is sold subject to an "As is" addendum a Disclosure/Disclaimer must be filled out by SellerDepending on how the contract is written the Buyer may or may not lose some or all of their deposit.

I have listened to some of Dave Ramsey and it seems like his aversion to having a mortgage and real estate investing is because he once had a lot (or all) of his investment mortgages called at once causing him to go bankrupt.

It's almost one year old but it's a good place to start your research.Regarding how to secure funding.  1st thing you need to do is set up a legal agreement among your friends, laying out the nature of the relationship along with how many $ each person will put up & if one, a couple, or all will be responsible for any loans.  

If you're an accredited investor, you could invest part or all of your 100k in private placements.  

The owner will have to file with the IRS, you will need to issue the 1099's, the interest is so low that the added headache is not worth it.If you need to claim some or all of the deposit for repairs to the unit, the owner still gets to keep the interest since it is their money.

For me I had to be all in or all out in my faith/ repentance commitment.