Good morning Ingrid and Steve, and thank you for the great input.

This morning, I spent a couple hours browsing BiggerPockets, and there's a wealth of information from some folks who appear to be seasoned, knowledgeable veterans of REI, so it appears I've come to the right place.

Rich, headed to Vegas in morning.

I noticed these two this morning I know I saw some a week or so ago but can't remember the threads.Examples:http://www.biggerpockets.com/forums/21/topics/50230-keller-willaims-any-advice-for-a-new-agent-http://www.biggerpockets.com/forums/91/topics/50122-what-would-you-consider-some-good-rules-for-a-new-hoa-?

Good morning,Please forgive me if the question may sound a little naive, but I'm new to this and need some things cleared up.

For example, I'm thinking of tying up an REO today that's listed this morning at 24k -- needs total renovation, but ...

Joe From: Dicarlo, Heidi A Sent: Wednesday, May 06, 2009 10:46 AMTo: '[email protected]' Subject: RE: Contact Information....Hello Joe, I did receive your fax this morning and have already directed it to the Underwriter Taylor a few minutes ago.

i'm confused (still getting going this morning)....you mentioned its a rehab (which makes me assume that it is not owner-occupied) then you said stay time is 5-7 yrs min (which makes me think it IS OO).if it is owner occupied then you will have the option of a refi or a HELOC. why there would be 1.75 pts is beyond me. if its not OO, then your only option is to refi. no lenders that i am aware of are doing helocs for NOO.speak to a lender. if you got the 1.75 pts + closing costs then you probably have already. what rates/terms did they tell you?

Morning DickThat should be a way of life.....yearning to learn new stuff daily.

That all changed in January 2009, when at 4am one morning, he pulled a large pipe wrench out of his coat and attempted to break into 6 of our apartments (with the tenants obviously inside).