Just wanted to clarify that and make sure I understand what you meant by requiring less money down.

If you understand how to do that then you'll rise above competition and market saturation won't matter. 

Hey there @David Tang - I actually didn't ever hear of a program that was offering a 12 month stipend...someone I know did it back when it was 6 months and now my understanding was a 3-month stipend with a potential renewal for 3 months.We have wanted to use the Chicago program ASERAP (happy to share their contact info), but fall in line with others regarding employment...the most important thing is income to pay after they move-in because if you get into a sticky situation down the road the upfront rent won't matter.Definitely following this thread to see if anyone has placed migrants and understand what they did for income requirements.

@Steve Tse, I welcome the public discussion about this, and it is good that you understand that Worcester is heterogenous and there are neighborhoods. 

This process for online sales at auction.com is quite different than visiting the courthouse steps or elsewhere with Auction.com and I recommend that you do due diligence to understand the particular state and local laws if you visit a courthouse or some other place to bid at a live setting.

I am not sure I quite understand the question.

Anyone make them understand real estate valuation and the damage they are doing?

We of course are planning to meet with a real estate CPA to clarify these questions, but I'm trying to be as prepared as possible and understand as much as I can before meeting with them.  

One thing to understand about debt, there is good debt and bad debt.

I am trying to understand land contracts and how they work.