This is time consuming though.I know that I could really get to the next level if I could fully utilize VA and other people in general.ThanksRick 

Link to that PA program: http://www.phfa.org/consumers/homebuyers/advantage.aspx

On the other hand holding notes on property secured by owner occupied residential real estate is subject to Dodd Frank legislation, the rules and regulations promulgated by the Consumer Financial Protection Bureau, state consumer laws, state homestead legislation, and local housing and lending laws.  

I think Zillow has a Lot of the local traffic nowadays in the San Jose, CA area and their interface offers a lot of info that consumers are after.

VERY messy and time consuming.  

You heard me right “CFPB writes letter to CFPB,”article and video- http://mortgageshots.com/cfpb-gets-caught-in-deception-and-nobodys-talking-about-it/LETTER- http://dailysignal.com/2016/04/14/did-consumer-financial-protection-bureau-write-lawmaker-signed-letter-to-itself-on-fighting-discrimination/

The permit system was not overly time consuming but they were sticklers.  

In other words, understand the elements of any contract, and you'll have the basis for u understanding a contract for real estate.That being said, states have enacted laws governing real estate transactions to protect consumers so you have to be mindful of those.  

“The CRA states that investors will likely be exposed only to maximum statutory damages of $4,000 plus legal fees, consumer claims in defense of foreclosure may occur in judicial states as the consumer will be working with an attorney.

The lower the R-value the more the hvac system will have to work which consumes on average 40% of the electrical/gas bill.