\The area is not great it's on border between a good area and a bad area So don't know what to do,you scare me Dale:)Anyway thanks for advice guys

Josh I have talked about this many times.On the residential side all these scammers used to exist.Sell the loan off so they didn't care and closed up shop when it fell apart.Now that residential is under huge government regs they have all moved to the commercial side.All of these people advertising many are just helpless point and fee takers getting sucked up into the scam.Many of these so called lenders are not lenders at all but mills running due diligence fees,insurance fees,deposit fees etc. and then say they can't fund later on to deny the deal.I have found direct lenders are very hard to find and I find one of those for every 20 scammers.As a buyer you do not pay upfront fees except for appraisal,survey etc.You can talk to these scammers on the phone and can tell by what they say they are not a true lender.I do very heavy lifting to make sure my lenders are real and I am not dealing with a middle man to protect my clients buying properties through me.Any company claiming to be a lender that will fund anything is more of a conduit (middle man) taking fees.A reputable lender will display recent closings and details of the loan.They will have very detailed rate sheets along with terms and conditions of the program.Any points will only be paid at closing when they perform.Many of these lenders will be highly specialized in a particular asset class and not broad in scope.The interest rates from legit lenders will be very close in percentage rate and LTV's.The difference being in how much money they have to lend and what loan size they specialize in and recourse versus non-recourse etc.Many lenders can promise but very few can deliver on the rates promised and close it.

The one I entered doesn't display correctly, but not only is it likely too big, but also a giff.

My assumption all this time was my lack of experience across the border.

Plus there has been much development in that area and it borders w/ lower kensington & Northern Liberties which are all areas that are booming right now.

As a matter of fact, I just drove through Saginaw, and another city that started with an "S" by the Canadian border.

Nice borders between grass and shrubs?

and buy in the best places for me to invest in.I'm going for a buy and hold strategy and would like something that's affordable ($200-300k) and has a high cap rate and has a strong rental market with lots of quality tenants.So far I'm looking at the parts of Santa Ana that border Costa Mesa, Downtown LB, and recently parts of Oceanside.

Please let me know if I have it misconstrued.I've noticed on loopnet it displays a note: "Commission split: 2.5%"Is this note referring to a scenario where a Buyer's Agent comes and helps find this property, the Buyer's Agent will get 2.5%?

I'm surprised no one's recommending the border.