So this should help with the insulation of the home (less wear on furnace, lower heating/cooling bills). 

you're not homeless, you're not disabled, your obviously not a moron, and you live in America....you have SIGNIFICANT advantages, don't take them for granted my friend.

In 2010, my wife at the time who also had a child with me, cheated on me a week before I was going to close on a duplex home for us to live and I was kicked out of her house and was left homeless for 3 months until I moved with my father (embarrassing).

Check out these top post to start your journey to success..Homeless Guy Finds 8,300 Buyers and Sellers in 10 Minutes by Doing the ResearchHere is another good place to start by reading some top blog posts here on BPhttp://www.biggerpockets.com/renewsblog/author/antoniocoleman/

Modesto has great areas but also has area of high gang and homeless problems. 

Oh there are always those that had no money and bad credit and were handicapped and homeless etc,, etc,, and they are now millionaires via REI.

Does anyone know how we make that happen without being homeless?

They are rebuilding the area with new buildings but they are very low income and homeless transition buildings.

Wholesale just as a bonus, while still looking for my own. 5.5 Teach Homeless people how to get rich.6.

If you see a homeless looking guy wandering around there, feel free to stop him, because it's probably me (I stopped shaving in retirement, so my profile pic is a bit outdated).