The uninformed will fall victim for sure.Lenders of all types should require title insurance and also obtain Insured Closing Protection Letters -- the validity of which can be independently verified.

Even with the new retal income lenders are denying the heloc due to the tax balance despite providing copies of the agreement and letter from the department of revenue which says I am current on the agreement.

The letter grades are subjective and really will change from person to person.

It's data + personal preference + which way is this block trending (D+ to C or C to D+).

Greetings everyone. I'm new to the real estate profession and looking to observe, learn, and get to work. Any guidance is welcomed.

. $1.5MThis property is located just a block and a half from the beach in Carlsbad, making it a prime spot.

I have been doing some research but hit a road block. 

Even in the “gentrified” neighborhoods of Federal Hill, Fells Point, Canton, Harbor East, desirability can be very block by block so you have to be careful that you understand these neighborhoods (and blocks within) somewhat intimately.

Then a wise man who was already successful doing what I wanted to be doing shared some common sense that I took to heart: settle on ONE strategy to get started and block out all the other noise, the BS, and the well intentioned but misinformed friends and relatives telling you that you can’t do this.

As for the gift for the down payment, it's generally allowed, but it must be properly documented as a gift letter to the lender.