But these noble intentions emerged from belief structures about economic development that were antiquated and inappropriate to the high-cost club of regions to which Greater Los Angeles belongs by virtue of its size and density and the irreversibly high land, labor, and consumer prices that this status brings with it.”

@Curt Davis  I think every consumer is going to have a different opinion, however with the TK offering that, it does add a little bit of assurace knowing the TK provider isn't jut selling a product and leaving.

Verify complaint status with Dept of Consumer Protections.  

I try an focus on helping real estate consumers avoid being scammed, as well as helping real estate professionals get better clients, so I wonder how one could build a better business with this info, ideas?

I see what you are saying, but coming up with a no down payment deal on a single unit is outright hard and time consuming.

You are acting like a consumer, not an investor.No, you probably don't have a contractual obligation nor do you like have an ethical obligation.

Can be a bit of a gray area here, so be cautious.Remember if there is a regular old Joe consumer with a legal issue confronting you as a professional Realtor....guess who will loose.Play fair and honest and should be in good shape.

So I'd like to have a relationship with the right insurance company that provides the right cover, at a reasonable value (i rate value over cost) who eventually will over time learn I'm a good customer and will turn on a dime to meet my needs.What insurances have you found you need, who is the insurer and are you happy.I'm not an insurance agent, I'm an insurance consumer but I thought getting a wide range of answers would provide a better answer - thank guys.Gerry

I have been listening to the BP podcast on my drives to school and I'm currently in the middle of a real estate investing book called "The Real Estate Investor's Handbook" by Steven D.

This will lower your payments and then you can put the extra towards your consumer debts.