@Page Huyette you are making progress, but I'm going to encourage you to keep looking beyond these lender connections you've found because there are a lot of options out there and it sounds to me like you are letting their limited lending program box in your thinking about what's doable.

I suspect many people, though, will be using "cloud" programs.

It is a great source info ad it's good see more members willing to share their experiences.

Every day.Yes, my contribution is not full of sources and stats, it's not my thing nor my job to list them all up here.

Land trusts are an easy way to get around the seasoning problems where lenders or financing programs require you to live in the property for a minimum amount of time.

I'd say the banker is pulling your leg a bit, as the secondary market is practically a limited risk with quality originations, there aren't any specific program changes dictated by Dodd Frank but there are other things going on that make things tighter for lenders in compliance, underwriting, reserves and management.As to Fannie and Freddie, 95% LTV won't go away but underwriting may be tougher.

Forgot to mention, you need to find the source of the moisture that caused the mold in first, and make sure it's fixed.

Real Estate investing caught my eye at about the beginning of 2011 as I was looking for more sources of income.

They probably should live in places that are condusive to their sensitivities, like SFH and not close to other neighbors and sound sources.

Craigslist is great but there are also several public information sources which I've heard that you can use to look up motivated sellers for marketing.