You can look at my profile if you are interested in the exact city but I have no reason to think my area is better than those other blue collar areas.When you run number on duplex (or SFR with ADU) to quad do not look at listing prices.  

A little about me- I'm from Point Pleasant, NJ (Ocean County).

My number one best all time creative financing of a property that I ever did was for a purchase of a empty lot two blocks from the ocean in Long Branch, I was reading the local auction list in my city when I noticed a property that at auction two weeks before that opened at a starting bid of $25,000 did not receive one bid, I went to the auction thinking I was going to pick it up for $10,000, I get to the auction at City hall and when the bidding started for this particular property I waited to see who was bidding, a man started it and I waited until nobody bid to start my bidding, well this man really wanted this property and so did I, when we were at $50,000 I started to try and knock him out by bidding in $1,000 increments instead of $100 increments, every time I bid he bid a $100.00 more, this went on until my winning bid of $66,700 and it was now mine, now if you don't know much about city auctions you do not walk around with that kind of money, a 10% deposit is what this auction required and they give (I forget the exact amount of time maybe 30 to 45 days to pay in full) now comes the creative financing part, I take my high credit card limit at the time of $72,000 (I saved all the 0 % introductory rate checks if paid to another credit card balance transfer and pay off another credit card that had a small balance of $1,000 and overpay the bill by $68,000, the overpaid credit card company sends me a over-payment refund check for $68,000 (that is 0% for six months being that it was a balance transfer offer of 0% for six months) I pay in full for the property within the time allowed by the city, (this was in 2003) I refinance another property that I increased it's value with the creative equity work I put in and got a favorable appraisal that allowed me to park the debt into a 30 year mortgage, the empty lot sold in June of 2006 for asking price of $229,000 with a profit of almost $150,000 after commissions, property taxes and maintenance/lawn cutting.

As soon as you have a Great Offer in place, take the house key out of the blue realtor code box and don't let anyone in...

There is a lot for sale in a very desirable part of town, with ocean frontage.

It’s comprised of two Detached buildings: 3bd 2ba front unit and a two story 2bd 1ba in the rear with three individual garages on the first floor and alley access.It’s a great set up as our home feels like a single family lot and with it being 10 blocks from the ocean in San Diego area, I will have multiple options on what to do with the property after my year living there.I recently spoke with the city about taking two of the three garages and building a 550 sq ft, 1bd 1ba downstairs unit.

I’ve currently at RE/MAX here in Blue Springs and they are awesome.

Once in a very rare blue moon you come up against a scenario where DTI works, but residual income does not for that particular loan program (VA loans being the most common example).

They're meeting Sunday at 9am at the Panera bread on blue diamond by Silverton casino.

Finally they dropped to $395,000 out of the blue and we made a $370,000 offer within hours.