@David Kelly @Caroline GerardoI'm using new american funding, In general they have very competitive rates and I like the folks there.

(American Title Company of Houston is a good place to start) 3.

But, it has become fashionable to talk about cutting costs as a means to value-add.

I did go in with min 3 years of American tax returns and a healthy American credit score, they would not accept my Canadian credit score initially which slowed me down a bit.

Also there are special loan programs available for certain people, Native American?

We own a 4br home in Colorado Springs close to Colorado College, and we have a pretty easy time filling that thing up.If you're not a fan of other humans in your space (I'm in that group), then skip the rent-by-the-room and find a home with a basement that you can section off in some fashion.

For some personal context, I was driving back from a remote lake house deal and was passing mobile home after mobile home of some of the poorest Americans I know.

Some Americans still have jobs, in fact many do, especially in our market)How many of THOSE are actually underwater (have no equity)?

It there any way to get reimbursed by home builder (richmond american homes)?

Al Williams at American Commercial Mortgage is also a broker I have worked with out of Seattle.