We are in process of talking with a company that does "Stock Portfolio" based loans.

If you really want to find RE bargains find a community you get familiar with, have a title company provide you a report of property owner 65 years and older that have been in there homes more the 10 years and begin mailing an investor letter (you can write or use another investors letter) explaining you are an investor looking properties like theirs that compliment your portfolio.

Although I have not been successful in finding one, many investors here suggest using local community banks (portfolio lenders), who typically lend based on ltv of appraised value.

I had the same problem with a spouse until I removed that nonperforming liability from my portfolio (pardon my coldness...lol).

A portfolio lender doesn't sell to Fannie or Freddie and retains their loans, making them able to do more than 4.

It's a wonder why so many investors continue to invest-- and make money-- in low cap areas like New York and Southern California...Nationwide, perhaps I could email you a prospectus of one of the properties that is currently in our portfolio.

Are financial planners familiar with a real estate investor's needs or would they just offer generic advice about 'balancing one's portfolio' between stocks, bonds, real estate, etc."

Until the Treasury bailout I was able to pick up small portfolios of 10 to 15 properties, closed individually.

Be very careful planning your portfolios for '09!

They just keep buying creatively, they cultivate private sources of money or they start using commercial lending.You are never going to build a decent portfolio of properties with conventional residential loans.