Haha, not really but some good food for thought.To address your question I think one of your best bets would be doing a nonconforming duplex in Ballard or Wallingford.

If she is working 2 jobs, where's her money going - sounds awful and some of you will slam me for it but I bet she's got a nice car and a better tv than you do.

Here in certain areas of the Bay Area, I don't really consider it speculation to bet on appreciation in the long term, though you might have to hold through possible recessions to benefit from it.

But it is not something I would bet on.

You are not the only one sending to NODs and odds are they have a large stack of mailers on the table.In terms of copy, I prefer to tailor it to the prospect so something more addressing their financial situation and how you can solve such problem may be better.

Your best bet is to spend an afternoon down at the county records office with a list of the properties that you are interested in.

I have bought odds and ends from the place I recommended to you but they moved into NJ after I moved out.

I think it's not a good idea to hold because it's betting on appreciation which is like betting on the stock market.

Looking at about $5K to have him on my team and it would be worth it if they said yes, and he would have a lot of influence on that decision I bet.

I have been educating myself so that the odds are in my favor.I am not looking to get rich, I just want to be able to retire and be a grandmother to my 1yr old grandson.There is some great wisdom here and I intend to soak it up.