. :)  DR did 450.. then you have a few regionals and lennar those 5 do 80%.. of permits. but prior to that you had litereally hundreds of small builders building 3 to 5 houses a year one reason was the banks in Oregon would not give you more than a few spec loans at a time.well has things got wild coming into the early 2000 even the smaller builders were getting 20 to 50 spec loans with ZERO out of pocket as long as LTV was 80% or less.. when things changed you should have seen the local builders howl at the fact that they now needed 10% .. and today U need 10 to 20% cash into a deal no matter the LTV .. which is OK by me.. it clear out a lot of competition that was not in the same financial position we are in.. so those builders who would have just did these deals themselves are now building for me on a fee basis. 

It was just received a few weeks ago.And if you Google it, lots more instances of banks having problems so the above is not unique: Banks lost documentsAs to the certificate of satisfaction, check the public record to make sure it's filed.

Same neighborhood designation, completely different ARVs.Many Different Pockets Within Same NeighborhoodWe have so many unique architectures and different ages of homes built in the same neighborhoods here as well.

If you make that same payment towards your cash out refi, then all you did was shorten the loan lifespan, not actually lowering your monthly payments (unless you have some unique program where the mortgage will recast/readjust the monthly payments).The other thing to factor in is you had an owner occupied rate the first time around.

What it came down to for me was wether they were able to really understand my situation and through searching through their past experiences, came up with a unique, bespoke plan suited best for me.

Elmer Morales is the founder of eHomes and has much experience and unique relationships in the industry making his team the "Best of Zillow", based on consumer surveys, putting us in the top 1% of Realtors in the country. 

I predIct Apartments will be the way to go and there won’t be any vacancy problems as these people groups nestle in and the population increases each year  I think its highly regional.. in areas were there is little hope or history of price appreciation for SFR's I agree why own them.in CA were this OP  and Windsor specific  Sonoma county wine country...

Limited disturbance to tenants in the beginning which was key  ya its regional...

That amount won't get you anywhere here unless you do some unique type of Investing like flipping penny lots or mobile home Investing

Let me know if anyone has any insight on cities/regions that are affordable and would be a good place to start researching!