I only buy 1st lien institutional loans on residential and commercial properties.  

And heck, I WANT to lend my $$ to people to earn a higher rate of return, but saving $$ is certainly my first choice for the world..

During the housing bubble prices were going up because lending standards were so loose, people were buying homes they couldn't afford.  

Hey Brian,Sherman Bridge Lending will finance any SFR in PA/NJ.

Post back with specific questions and folks will jump in and lend their insight.

I know I can personally do better in the stock market or peer to peer lending with those rates.So I've been talking to a couple buddies out of state (OH, MN, ID, etc..) where the markets aren't as crazy as the greater Seattle area.And I have been baffled by how cheap the prices are and have run some calculations which provide a way better returnI'm under no illusion that I can ask the same rent prices they do here in the Seattle area, but am gathering an average from other rentals in the area.The problem is, that OH, MN, ID are not around the corner and driving over to check out the property to see if things are still alright is not an easy task.How have you dealt with buying property out of state?

From a lending perspective, is this a true red flag for a lender?  

In the IRA area, someone who has an ira can lend the money to you from their ira.

The purpose was to back loans and encourage banks to lend.

Also, most banks are only going to lend at 75% loan to value.