There's no way I know of to avoid the CA fee.3.

Looking forward to connecting and contributing as well.Dale

Get the seller to contribute 4% toward the closing costs. 

Our biggest lesson learned during this project was the importance of identifying the strengths and weaknesses of each contributing person of our team in order to execute future projects more efficiently.

I have a local lender who will finance with 10% down and my buddy the seller will contribute 3% towered closing costs.a few questions:-Is there such thing as a "Down Payment Loan?"

I always stress to the new tenant that it is for any damages and not rent.Most landlords/Property Managers ask for the same amount of deposit as monthly rent....I think this contributes to above problem.

I'd like to do my part and pass on what I am currently learning in the best method I know-how, which happens to create runbooks.I'll be writing up runbooks on all of these readings and more as I work through them over the next few months, so if you're interested in following my learning journey, using the runbooks I have created, or if you'd like to contribute, please let me know!

In combination with making decent contributions to 403b and IRAs and school pension plan the money is being dispersed well for my goals; I just may not look appealing to lenders that are focusing solely on the taxable income line from my tax returns.Maybe I would have more luck with a commercial lender. 

The SCBN can be converted to cash through a (1) cash contribution from the seller, (2) a sale of the SCBN to someone or (3) a payoff of the SCBN. 

Not everyone will contribute.