Forclosure simply doesn't exists, since there was only 9 forclosure last year....A simple, basic SFR is over 2,000,000 USD and a good property in a good location is over 10,000,000 USD so It's completly out of reach for me and I'm looking at condos.For condos, the median price is 10000 CHF per square meter, to translate it's 1000 USD per sq ft and it's a median price, condos near the lake or in the city center are two or tree times more expensive.With theses prices, the 2% rules is completly impossible to obtain since the rent for a small condo of 300 sq ft is around 1500 USD (0.5%) per month and a 1000 sq ft condo is arround 4000 USD per month (0.4%).The only good thing is the interest rate who is incredibly low at 2.79% for 15 years for a fixed rate for exemple, another "strange" local particularity is that in Switzerland we don't really pay our mortages, ever : for fiscal reasons it's a lot more interesting to have a debt on our house so we pay a small interest rate and have a big tax reduction.Most of the experts agree that Geneva face a housing bubble, the problem is that 10 years ago they where saying that too and prices have rised by 100% since... and there is still a severe house shortage and very low credits costs so I don't really see how things could really change...I tried to look in other part of Switzerland, the price is lower but the rent goes down too so the ratio isn't really better...One possiblity would be to invest in France since the border is so close and the price theres are 40% lower and there is a lot of government helps for investors like 19% of your money back on a new house purchase if you keep a gov fixed (read low) rent for 9 years.What would you do in my situation ?

This is not directly related to REI, but like I, many may have an umbrella policy simply because of rentals:There was that change in the law a couple of years back regarding uninsured and underinsured motorist coverage related to umbrella policies.My insurance company handled it this way:They automatically added the coverage to my policy and added an opt-out form I can send in.

(I dont know if there are some **evil** banks that would disqualify someone simply because they make minimum wages.

Enter the process at any time.

Is the rest of this money simply gone?

My advice would be to simply walk into your local bank and ask about obtaining a home mortgage.

I simply go by % of the ARV and the actual cost to buy nailed down as the HUD-1 will show.

Its not wireless but by simply having it plugged into the network, achieves the same.

I imagine that if you hand a business card to a seller that says "real estate wholesaler" than they may become confused or simply not take you as seriously as a cash buyer.

Simply mud jacking will not work because the grout will pull way from the slab as the soil settles.The next question is; how deep is the uncontrolled fill material?