@shawn Pennington What golf courses in the Nashville area have you played thus far ?

It made her more excited about real estate than anything else she has listened to and she also told me that it made her realize that I need to quit swinging hammers and we need to pay someone to do it(good for me!).

If the fha down is about the same as the out of state normal down and you can comfortably swing this, I would consider the local Palmdale a superior investment for many reasons.

I have posted on 3 Detroit forums in the last 12 months - not sure, but I am going to take a swing and guess there were over 100 in that time span.First post - Yesterday's post was to praise young investors for having a positive attitude.

You want to do those kinds of deals, go to a state that doesn't have wild swings in value.

Golf all over...

@Ben Leybovich, was in a meeting last spring with a developer from San Francisco who said real estate has 10 year cycles and for six of those it's great to build apartments, for two of those it's great to build condos and for the other two you should play golf...

My marketing campaign is in full swing. 

Almanor of course is going to be very cold much of  the year.Tahoe well that one will bust your budget for water front :)So many of the lakes in CA are man made Clearlake is the largest natural lake in the State and natural lakes generally have a nicer shoreline.. were man made lakes damned up big canyons and can have very steep shore lines and subject to huge swings in how full they are in any given year.Lake Chelan in Wa is awesome awesome... you can buy lake front thereAlong with the big lakes out of Spokane WA... 

Long story short credit karma credit scores are higher than standard lenders, its all about which formula to calculate credit scores the lender uses. apparently credit karma isnt even close, to most lenders as my mortgage consultant said they have witness swings as much as 100 points..