That's exactly what I was hoping to learn.I really don't have a location preference....

I would prefer to only do that once. 

I prefer to put a little more down for a better return and buffer, but it is a personal choice.

I do know as far as cash flow I have to get at least $100 a door , the Cash on cash I prefer to be 15% but anything under 12% I really don’t want because I can get a better return on buying more trucks in my trucking business, for this particular home they are asking 189k I would have to make a offer at 150k Just to get the 12% from he numbers. 

I have great credit (750) and over 100k in savings that i prefer to NOT have to take a lot from.

We've been buying more and more product in Chicagoland and prefer to avoid Cook County, when possible, but, if we find a good deal, we'll bid on it.You have three main factors that affect timelines for NPNs in judicial states: the courts, the foreclosing attorney, and the noteholder.

So personally, I wouldn't worry about the loss, I'd just try to get something I was more comfortable with and I prefer positive cash flow over betting on growth.Let me ask - why is it so important to find another place in the Bay Area? 

Can anyone recommend a software to do loan servicing to track monthly principle and interest payment, preferably send a monthly and annual mortgage statement?

I would prefer to see their scores in the mid to high 7s.

Its all personal preference.