Originally posted by @AJ Singh:@Caleb HeimsothGet ready for alternative lenders Leverage is not cheap anymore Best of luckyeah after Fannie/Freddie I’m considering just switching to cash buying.  

Homepath (Fannie Mae) is that way.

Fannie Mae Homestyle is the conventional alternative.

But, what I am noticing in my area, the urban population does not want to move to the suburbs, even those that have the means. 

Their current lease will transfer during sale... then give them notice they'll need to vacate.

The things that I've notice in my local area is the "D" neighborhoods that start to see business's investing in the area are the one that turn around.

I noticed they paid $385K for it in 2012, estimated their mortgage payment, and made an offer that would put money in the pocket plus alleviate #10-12K of mortgage payments during THEIR slow season.

Sourcing and seasoning deposits into a business account is not needed for Fannie/Freddie loans (assuming that's the loan type you will use). 

Fannie and Freddie just announced that they are going to stop their investor program.  

I have noticed as my wife and I have gotten more successful that friends have expressed less interest in seeing us, talking to us, etc.