I was referring to a portfolio lender, meaning they keep the loan in their portfolio, not pledging your portfolio as collateral.  

Assume good debt-to-income and 740 credit score with a foreclosure in 2012.If BiggerPockets allows, can you refer me to your lender.

For you, they're hieroglyphics.Probate bonds, also referred online in some jurisdictions as "Q-bonds" or Bond zip on Qualifying refers to bonds that the court requires of some petitioners. 

@Paul Timmins thanks for the response, few things:1) thanks for the advice I will check out the REI groups for sure2) I will make sure to search for HUD homes, as I am open to purchasing distressed properties.3) When you say student housing, are you referring to a specific program with the university where you are some type of preferred vendor of some sort, or just renting to kids in general.?  

@Joshua D.Thanks,When you refer to "as is" you are buying them at auction, correct?  

This type of account is referred to as a Non-Prototype Account by Fidelity.

I did speak to his references.

Hey @Raquel PeaThanks for confirming that information, and referring me to those books!

Hey all, What I'm referring to are what (on the surface) appear to be the "Community Type" HOA's.

Refer to the HUD memo on illegal house flipping to better understand the subject.