I have seen no widely recognized source projecting a nationwide appreciation anywhere close to 16%. 

Here's another example, right now my girlfriend and I are buying a house to live in together, and while we both fit all the first time homebuyer criteria of FHA, HUD and CHFA, there are only a couple organizations with down payment assistance programs in my area and they all don't recognize me as a first time homebuyer because my company owns investment properties.The good news for you is that it seems your bank will work with an organization in your area, so it really doesn't matter that the organization uses CHFA money, they all use CHFA or HUD money.

I recognize that a little knowledge is a dangerous thing, so I would love some feedback.

The other aspect I really like about this book is that it makes you look and recognize at your past programming about money, what your self-stoppers are, and what you can do about it.

With the knowledge and experience gained in business and as a member of a Los Angeles City Councilman's Community Advisory Council, nationally recognized corporations engaged my services as a Consultant to guide them through the maze of City and County government.

For a newbie, doing ceramic/porcelain tile oneself could take a very long time I assume, with the inevitable measurement mistakes, do-overs, etc.How much money do you save by doing tile (or flooring in general) by yourself?

I don't think most investors recognize the risk they are taking right now.

Scott or the rest of us old guys, I mean you need a total awareness so that you can recognize what to do on your own.

Hello Alexandria,I'm very impressed with you recognizing early on that this is not a jump in and get rich quick industry.

However, from what I have read on here and other places - having the ability to do the research through the files oneself is the common way.