If you are in your comfort zone, you are likely not progressing.

Because you don't have the ability to assess the value of what you're dealing with, you probably just lost 4 to 5K.

Make all your payments on time (even early), keep your lender up to date on your progress and don't jump ship the first time someone offers you cheaper money.

How do I progress?

okay, so I'm a 27 year old full time student with sketchy credit( progress of repairing) who has managed to scrape up some change, about 30k or so and me and a childhood friend who has near excellent credit have been talking about buying a house or a duplex if possible to live in and also rent out, is it really hard?

Everyone starts out clueless, and some just progress faster than others!

I will try to stay more active in the forums as I start making progress towards that first deal.

. - if you dont have 30% equity in the vacated property you will need 6 months reserves for both properties on the full payment prin/int/tax/ins/assessments this condition can be waived if you have a purchase contract on your current home from a buyer that has waived all of their contingencies (highly likely that they will purchase your current property) As for ethical or moral standards, the guidelines allow vacating a primary and converting it to a rental so its not like your going behind the lenders back or anything they know what you're doing.

He/she should consider moving to less progressive state.

Check out our progress in the photo album at the link in my signature.