Your first question is one of individual choice - it really depends on your long and short term goals.

There are also of course the traditional "fleshworld" sources of finding competent lenders:* Friend/family referrals that closed with a particular lender, esp those friends and family that we think have difficult or imperfect credit/income/asset situations. * Realtor referrals.

I have lots of clients in the same boat- just getting started and trying to make the best possible choices as they move forward.

Lakeisha I am assuming you took the pre-license hours and passed the mid term and final and what you failed was the state test.The state test last time I did it was multiple choice.

I won't be house hacking or moving in the next 10 years so traditional loans for me. 20% down in my market, south Riverside County, is brutal.

Ceramic Tile is probably the right choice, especially if you're on a slab. 

Originally posted by @Denisha Choice:@Adrien Schebott ok I'll answer that. 

We use @Jerry Ta and he has helped to stay away from certain choices and helped us to run comp's as well.So what did we get?

I have lots of clients in the same boat- just getting started and trying to make the best possible choices as they move forward.

Not bad if I do say so myself.Stats2 Foreclosures , 5 Short Sales, 1 Traditional Sale3 States (CA, SC, VA) 4 Cities (Hanford, Lemoore, Virginia Beach, Summerville)2 VA loans,  2 Owner Occupancy @ 5%, 1 Convention Rental @15% 2 Conventional Rental at 20% (Completed a Cash out Refinance in Dec  to buy #8), 1 Conventional 25%It has been an amazing ride and I cannot wait to see what the future brings us!