What I have found that works most of the time is find out through my clients who they are already comfortable using for subs and/or contractors who they have found through word of mouth in their community or development.

"Their are a couple of posters that seem overly comfortable with using the tyrannical arm of big government to implement their viewpoint.

But I will comfort you with some advice from a certain guru which is actually good advice; sometimes, down the road, when her situation changes or she becomes even more in a pickle, she will hopefully remember your convo with her and come around.

I thought the balloon would give them some comfort knowing they would be out.

Just let her know that you live on the same street, this should make her feel more comfortable with you, and that you have noticed her house sitting vacant.

There's a few problems with this - first is that the lender will want to know where the mysterious $10K came from and assuming you tell the truth, they will make your friend sign a letter to the effect of "Tia never has to repay this money it is 100% a gift".If he's comfortable doing that, then he obviously trusts you because as soon as he signs that document you have no legal obligation to ever repay.As for the terms - why would you want to buy a duplex and only essentially "own" one unit?

I have been reading books an working on the podcasts just a little "fear" I guess you can say about changing my comfort zone but if I don't force myself I'll never do it.

I would be comfortable in having a DSCR of 1.4 or higher. 3.

I agree it depends on what your trying to do or are comfortable with. 

Do they have the experience and integrity we're comfortable with?