Hi Al, I'm an investor and wholesaler in the Southeast Texas region (Beaumont and surrounding areas).

Perhaps some other Ontario landlords can chime in with other options that are more suitable for your region. 

There is a local Bakersfield forum in the regional forums that may be helpful for meeting up with others from Bakersfield/Kern County.

Our hope is to learn more about the region ourselves and make our way over to the Altoona/state college area in the coming years. 

There are a few portfolio lenders that lend in regions and a few national securitized lenders. 

My two favorite interviews have been Episode 52 with Ken McElroy, and episode 172 with Jonathan Twombly.Quick question, if you were from a declining market, had no attachments and wanted to move to a city, state, or region to launch a real-estate investment career, list your top three choices and defend them.

If anyone in the South Florida region is available with advice or wisdom, please let me know!

Keep in mind the counter is not really a counter but more of an invitation to re bid for the next day- Use an agent that has closed many HUD homes as there can be difficulty with financed properties, selecting a title company and such- Finally, new asset managers have taken over in the last month or so in most regions(Sage Acquisitions) and based on what I have seen during this time your bid of 90K has no shot. 

Are you talking mom and pop tenants or regional to national?

I've lived in this region now for 11-years.