@Amit M. yes my unit is in Oakland this is my reason for asking because this topic is up for debate.

to keep this on topic personally I'm a slop in the minor things.

Check out my article on steps you can take to become a real estate pro!  

Here are some recommendations for you:Find and connect with other BP members that are in your area: https://www.biggerpockets.com/search/users Set up keyword alerts to be notified of the topics that interest you: http://www.biggerpockets.com/alerts Read Beginner’s Guide: http://www.biggerpockets.com/real-estate-investing Check out BP Podcasts: https://www.biggerpockets.com/podcastIf you wish to tag someone in the conversation on the forum, type @ followed by their name and then select the name of that person which should appear below the comments box.

Here is an in-depth article on the effect that the Dodd-Frank legislation has on owner financing.  

Do you have a specific article you have in mind?

Buy space heaters for under 20$ at a department store lol When was this article cut  from ? 

Quick scan of articles looks like the DFW view is based on total numbers while the Austin view is based on percents.

Great topic and great input by you guys!

So far I've started to read some books by Robert Kiyosaki and I've looked through articles and videos online.