In the line of work I have chosen you only have to have a GED for entry level and most employees have only graduated high school so my degree has turned a few heads for upper management who know the school.

What is more disturbing is it seems like that kind of remark had some sense of acceptance or normality.

Ok, so if i accept this liability i would want to make money for this potential risk.

San Mateo county, alameda county, Santa Clara county, those counties are the core of Bay Area market that I invest in. pier and beam is good, as long as they are accepted by local building department, particularly for sloped lots.sounds promising.Originally posted by @William B.

@Ivan Aldana I agree with Theresa, but I also think there are some creative ways to purchase properties. 1) Use credit cards to make your downpayment.2) Seller Financing - I totally understand right now is hard to even get an offer accepted, but something to think about it to find a real estate agent in your town and have them run a report on a neighborhood you like.

IMHO adjust your expectations, accept you can’t afford to live on the mountain, find the next best thing, and focus on that.

Unless that property has been gutted and renovated a couple times over the years, there's likely a lot of issues that conventional lending and insurance won't accept and will require you to fix within the first year of ownership. 

If offer is accepted, inspect property.7 - If property inspection shows actual rehab needed "plays nice" with analysis rehab, then buy property,  If actual rehab isn't what you instructed your REA to ONLY bring you, then withdraw the offer.This takes far less time for the REA since I'm only making inspections on properties I like. 

You can do a 5% down conventional loan for a owner occupants and not deal with FHA loans (harder to get accepted but not impossible).

I accept complete responsibility for allowing this to happen and not nipping it in the bud.