Fortunate that my dwelling in San Mateo County is free and clear.

:))Another year past, what was, was was, we can reflect but don't dwell.

I recently did a free video about the importance of properly handling your incoming calls: http://youtu.be/3Z6pRFEqFRoP.S.

Here's a 5 minute video on how to do it yourself:https://www.youtube.com/watch?

Watched a video from Phil Pustejovsky, he noted that the game coming out of the housing crash was foreclosures & shorts.  

I went through Keller Williams and watched videos and took notes.

As a hobby I'm working on one website for real estate listings where landlords/owners can list their property and also get professional pictures and video tour from our people ready for their listings. 

Lots of misinformation in this thread, so what's new....Conventional loans are secondary market loans, 80% LTV without PMI, you won't get PMI on a fixer based on an appraisal.Portfolio loans are held by lenders, they may use conventional underwriting but may vary and can finance fixers.The rule is: The LTV is based on the purchase price or appraised value, whichever is less.There is no ARV in conventional loans.Multi family is 5+ units, SFR is 1-4, (Jerry meant to type 2-4 @ 25% I'll bet, not 1-4 as 1 is a single family detached dwelling that can be at 95% owner occupied conventionally).  

@Andrew SyriosI am hoping to do a video series on this house so I will keep you posted. 

I would direct you to the over 80 videos I have put out for free on SellMoreHomesNow on YouTube.