At some point or another over the last 10 years, BofA has been accused of sticking it to their customers, their shareholders, investors, the government and even their own employees."

Part of me thinks he didn't know who I was (my project manager deals with the contractors most of the time) and thought I was a regular retail customer.

I know that the town prefers to have owners in houses, but the area is popular with 20-somethings who currently have trouble qualifying for loans, or want to live with their friends short term without committment...

I prefer to lower my return and invest in easier to manage properties in better areas that might also have more appreciation upside.

Multi-families are preferable.

@rob i worked doing tax prep for a well known franchise once, what you are saying is very true the reality i saw of people earning 15 000 usd a year and getting 8 000 in refunds is really unsettling,its by no means fair i would point out that i still however prefer the life that i have mapped out for myself and would rather be a productive member of my community and have the ability to earn my money than have a government cap on it.

Preferably I always would do, Roof, windows, siding.

One asset manager requires the listing agent to attend settlement, another does not.One asset manager requires all investor deals to settle in 30 days, owner occupants in 45 days, while another will allow investor financed deals to settle in 45 days.One asset manager requires deposits to be cashiers checks only, another asset manager will accept broker escrow checks.All of the ones that I have dealt with require the contract in 48 hours after acceptance, but don't count Sat, Sun or holidays.Usually for the first 30 days the bidding is only open to owner occupants.I haven't seen this recently but HUD used to given owner occupants preference even after the 30 days, and I have seen where they have accepted owner occupied financed offer for a much lower price than an investor all cash offer at a higher price.Been working HUD's since 1986, so we've seen quite a few different rules changes over the years.

I love the real estate market between South Snohomish County to Bellingham, that's my preference for investment as well - good choice!

This is for my duplex that is owner occupied on one side, so I still have the ability to be selective about who I rent to, as I would prefer if the renters had older children since I have a German Shepherd who has access to the entire yard.