For Americans seeking a more affordable and less crowded alternative to the bustle of a big city but not interested in very small towns, a mid-sized city might be the best place to put down roots," the site says. https://austin.culturemap.com/...

Don't pay $850K for a 4 plex in Carmichael unless it is near American River Drive/Jacob Lane or Sheffield Park.   95864 and 95608 are really greying areas,  there is not a ton of upside there. 

This model aims to repair the long history of mortgage and housing discrimination in many American cities that have led to the wealth and homeownership gap.  

Thank you @Sam Dangremond , @Nathan R.

It’s pretty much like Sam said, it all depends on who might be watching you do the work, how nosey and problematic your neighbors might be, and how difficult an inspector is if you get one.

@Sam Amin Thank you for the offer Sam!

Its a virus not unlike Covid right now in our industry with advance scheme fake lenders taking advantage of those that dont understand how HML works.If your an American Greed fan  find the episode on Remington Financial and INgrid Robinson.. its an eye opener. or just google Ingrid and advance fee schemes she has a website dedicated to it.. 

@Sam SinghI have two credit unions that I use

Cheers guys,Sam

Sam Holmes of South Lake Tahoe and Ron Yokotake of Associated Mortgage in South Lake Tahoe