The national companies can tolerate service failure by diversifying the losses - - mom-n-pop just will not survive that way. 

@Emmett Harris: Thanks!

As the market turns back up the cash buyer will be envious of their positions.So look at the high leverage strategy, and ask yourself - how would I survive this scenario?

If a person is on title jointly with a spouse and their spouse dies, can the surviving spouse keep half of the equity after the property is sold if the deceased spouse owes more money than the equity remaining after a sale?

Tip: trying to "convince" and "push" a prospective principal suggest yo me that you don't know much about selling or human nature, for that matter.Do you really think that you are going to persuade an older woman, someone who's been through way more life experiences and survived them is going to be influenced by someone who may be a neighbor but obviously gas their own interests in mind?

@Theresa HarrisHey, @Theresa Harris yes I can.

@Sean Harris My HOA found the listing on Airbnb and made me pull it down. 

Our in house counsel states there is no such statute in California for child support liens to survive a foreclosure by the foreclosing entity if the foreclosing entity recorded their lien prior to the filing of the child support lien. 

What we're trying to determine is will this lien survive closing where we will be responsible for the debt or will it drop off or be settled from proceeds from closing?

@Theresa Harris, @Lawrence Potts, and @Dan Heuschele,So would you say this basically all leaves me with a choice of putting down more and delaying cash flow more til a bit down the road if not doing rehab or putting down the 3.5% and shooting for forced appreciation to get to the positive cash flow sooner while getting to that 20%.