People in those markets know what saves water already and have implemented the low hanging fruit.

I personally would rather be an investor/landlord willing to help than not to, as I have found the ethical approach to what my parents always told me growing up to "always treat others as you'd like to be treated" to be very fruitful in this game of life (and real estate) we all play. 

Bank will pick the low hanging fruit first knowing that they would take a $10 loss on the first one.The borrower has the most to lose in both.  

So the fruits of that is that I can live in a $1.5 mil home with a low mortgage payment and property tax bill (thanks again prop 13 :)With prime real estate your income flow is much more secure.

If your goal with buying subject to is to buy something at a deep discount pre-foreclosure, and not because you have no ability to get a loan of your own, seems like it could still be a fruitful strategy?

Show her that you'll contain the risk and not put all the eggs in one basket.

Don't put all your eggs in one basket.

Choice is yours.In real estate, there are many roads to get to your destination and in the lending arena, you have a basket full of options.

Mind you this is all 30 steps away from penn street the meca of the city , where all you see is very distresed streets along with that distressed people - many houses are foreclosures here buy for cheap so the citys new building are great if u belive its all for the best and can turn into a fruitful area. acually thought about starting my investing in the city i have a friend that has done this and now has his real estate company "portnational" i belive its called

I don't know because I've never done it, but it seems when everything is going the H-E double hockey sticks in a hand basket is the best time to get in and get in for cheap.