I today's market investor buyers are a large segment of the marketplace in many areas.By excluding investors as buyers, the HOAs are actually reducing the number of buyers in the pool, and reducing the selling prices.

If landlord pays water use 60% costs.Any immediate repairs would need to be deducted as CAPEX from purchase price.Verify rents are actual rents inline with market and that there was no first months rent given half off or free which will reduce total market rent per month average per unit.

We are obligated to present all offers to our sellers and work in their best interest and sometimes that does mean showing them that a low offer helps reduce future carrying costs and financial issues.

Remember you don't have to own a property to control it.Working in the medical profession you are sitting on all the $ you will need.Good LuckPaul

If you are going to embark in this real estate investment journey, you will encounter this situation many many times again down the road.Investing in Real Estate requires that you use other people's money and those people will always request from you that you show financial discipline.If I were you, I would find an additional income source (second, third job), reduce monthly expenses to the bare minimum, ... etc.A few months down the road, you will be in much better shape.

Once that’s established, the lender will reduce that amount by another 25% to determine qualifying income.

Once you bought it for $104k, try to appeal and get your property tax bill reduced.

Las Vegas has had a run up because of legislation slowing the foreclosure process thereby reducing visible inventory.

If you could sell the lot next door, use the proceeds of that sale to pay down the principal some and refinance that amount, thereby reducing the payment, it would probably be a good deal depending on the value of the lot.

There's no follow up to buy another kit at some blah blah reduced rate of whatever.For the family members who were intimidated by the process, and REI stuff in general, this program helped them get through the hesitation and take action.