I'm surprised you spent the time figuring out the odds of that happening.

Surprisingly enough, the HML I'm using is just 1 lender, not multiples.

House prices are surprisingly low compared to the coasts.

I live in Phoenix.. next door to Surprise.

Many a times we are hesitant to post a question, but surprisingly you will find there are lot of ways to answer the question and its always to get to have multiple perspectives.As @Ned Carey says - Just ask the questions and follow up with people, keep in touchAlso would recommend reading http://www.biggerpockets.com/blogs/3225/blog_posts...

AND NOT SURPRISINGLY, DON'T RELY ON A STRANGER ON THE INTERNET TO MAKE YOUR INVESTMENT DECISIONS!!

Surprise her with flowers that day.

Surprised Ive never met you in person. im sure we know some of the same people being that area isn't very big..

With yields as high as they now are; in theory many of them can be cut in half and still produce a solid return.I've began building a position earlier this month and will layer in slowly over the next few months if oil continues lower (I'm buying down to $40 oil if it gets there) with view of holding 3-5 years  and trimming on any aggressive pops.Interesting fact - From the data I've seen, the inflation adjusted average price of oil from 1946 to now is just shy of $41, surprising! 

The other surprise in our market is that commercial gets over played and valued just like residential.