@Dan Mackin My search for places to invest outside of NY led me to Denver and few other places.

These out of state owners are being led by greedy real estate agents and these multi units are just sitting idle on the market here, all over priced, run down and in the highest crime areas.

That just led me to real estate.

BP was monumental when I started investing and has led me quite far.

History tells us we're do for an economic reset, more than likely a recession led my a market adjustment.

I just finished reading Brandon's book "The Book on Rental Property Investing", which is what led me to this forum.  

My parents rented a room in their house about 5 years ago and it led to the city fining us.

@Denise Evans Hello, my online search led me to a thread you started over four years ago brought me to this site and I decided to join. 

We are not sure of the details that led to the caretakers accomplishing all this, but we do know the caretaker has filed probate in Santa Barbara and notified his next of kin (including NONE of my uncle's actual family) of his possession of a will.  

These are things that have always been around but because we were blinding by subprime and conventional financing, we never bothered to do some homework and research our surrounding areas and cities.CalHFA and FHA is what I call smart lending and is much better than the conventional financing and extremely better than subprime.You see CalHFA and FHA aren't new programs, these programs have always been available, the problem is that subprime and conventional was a faster process which led those brokers and agents that wanted to make money quick, well they picked the quicker and less "strict" route.Do a search on CalHFA and FHA to find out more info on how first time homebuyers can receive 100% financing, down payment assistance, and with no minimum credit score.Yancy MartinReal Estate Finance