Say you bought they house for $250k and are happy with the returns you are making and then the market dips and the house is now worth $200k, but the return you are getting from the rental is still stable.

If there's anyone who plans on attending and usually takes good notes, I'd love to return the favor in the future!

Not going to make huge returns at those numbers but if you maintain it well while you live there it can be a great way to start building your portfolio without a huge out of pocket cost.

What kinds of returns are people seeing around the State?

I also bought a rental property that has a 30% return on investment but actually since I have none of my own money in it is really 100% Profit!! 

HML says the loan is too small since they would lend me 90% of the purchase price (76,500) and it would be too much work for little return.

If the auction company is actually returning your deposit and not defaulting you you should feel extremely lucky.

In TX the property owner does NOT return my $100.00 "earnest money" off after an offer fails; they are NOT required to refund it! 

Are you in an area of blue collar workers that only having spending money/3.5 percent down after getting their tax returns?

If agents know that the investor is calling a bunch of other agents they are less likely to spend time trying to work for you, because they may invest a lot of time with no return.