Upstate NY is a declining area and have been for a very long time.Personally, i prefer multi family properties (four units or more) and i hate doing major rehab.

Custom designer kitchen w/espresso cabinets & upgraded countertops, NEW stainless steel appliances including fridge & built-in microwave.

Eventually you will build up a clientele that will stay with you.Who will your customers be?

To protect my customers and company, I had no other choice!

Most of them will prefer to get part of the cash flow and part of the upside vs.a fixed interest rate.

thanks for your reply guys.Hey Bryan - i would prefer your route; buying properties that need work, under performing, etc. with Craigslist, are you calling on For Rent by owner ads or posting ads of your own.

The preference for CASH is that the deal can close quickly before the short sale approval expires and requires the entire process to be performed all over again.

Asher,I am not sure what other items you have on your credit, but if you have credit card debt, try to make sure the balances on your cards are (preferably 33%) no more then 50% of your available credit.

Here's my story:I've been a licensed realtor in NYS since 2005 and because of personal and professional preferences, my husband and I have decided to invest in AZ and eventually move there.We have 2 rentals there and would like to do more.

Is there no room for one or do you prefer a large hole in the cabinets where it should go?