@melissa mendozaThank you for your response to my post.I already own my own home, from understanding and please correct me if Im wrong but I can not apply for a FHA.

If the borrower makes no payment until 2018, that P&I payment would be applied to the 2/1/2016 payment, right where he left off.

we are in the Southern California área and thinking in putting either artificial turf or natural sod grass( the one is already grown) in the frontyard , it’s arpund 312 sf and estimates are like 440 dlls natural sod grass and 3400 dlls artificial turf with 0% financing options ( about 258 dlls monthly payments for a year)... some advise based on your experience(how about children’s, pets , maintenance, water bills, heat etc) and info you would know also... thanks blessings!!

Who believes that POS rules and regulations are unconstitutional and believes that the ruling should be applied to the suburbs of Cleveland?

It is three stories and has a lot of windows for natural light.

When choosing a market, naturally there is a LOT of criteria to consider.

2) The 1% and 2% rules don't apply in SoCal.

The speculation tax only applies to non-residents who are not Canadian citizens.  

Send it to EVERYONE that has applied and was denied, regardless of the reason.Hope that helps

Agreed..regarding lesson learned, and applies more so with low income tenants.