So I have now been told1. that the 35-40% is to help investors improve cash flow (the original answer) and2. the 35-40% down is required since the properties won't appraise (which seems more likely)I really like this operator's service level and reputation, and one of markets they're in is a good fit for our strategy. 

From what I understand this would be a good location buy in. I

Philadelphia seems like a good market to be in. I

We feel like owning a home to live in is the only way to really get going. 

You'll get a wealth of REI knowledge and learn how to take full advantage of Bigger Pockets (including how to connect with other Southern California investors).Listen to the podcasts , get active on the forums & set up key word alerts to be notified when people are discussing topics you're interested in. I

I dug them out of the hole their home put them in. I

I've had Stanley steamer every 4 months   The padding underneath is starting to to des inaugurate and it's coming free from the walls  it was not new when I moved in I believe it is original   My question is I was told by my brothers contractor that he could install laminate flooring for 2300  I am willing to pay for some.

I am not seeing an HOA fee, you'll want to factor that in. I

I am interested in all areas of real estate, but my most favorite that I would love to become expert in is how to use real estate to generate cash flow (investing in buy and holds) and wholesaling since I have little to no cash to start out with.I would really like to take this opportunity to connect with other investors in the area.

Thus far I have been working with the listing agent on any properties that I am interested in.  I