Im excited, however, to be learning actually useful information about RE so it's not horrible.I joined BiggerPockets to follow along on discussions that I can relate to and learn from since I have no experience and don't really know anyone in this town.

On the subject of non performing notes, When discussing and implementing a loan modification with the borrower, are there usually state laws or regulations (In general and/or at all) that come into play and how much do they affect loan modifications or if at all?

This way they can't say they will not reduce or do not remember that discussion etc.With larger homes there tends to be bigger commissions but you can also lose your shirt quickly if you do not protect yourself as a broker/agent.

I am committed to RE.

LOLI don't know much about market cycles (I need to learn) but I feel that something like RE can't keep increasing in prices at current rates while the rest of the economy is going at a slower pace.

That seems like a good strategy that I will look into and possibly discuss with my lender.

Or, are you just starting in analyzing RE and you are unsure which metric is right and what it means?

We continue to re-evaluate this and are looking at Multi-family and areas within commute distance from Boise.

And check out the Arizona RE group at http://azreia.orgThere you can meet local investors who might know more about the local market.

My wife is an architect and we have private investment capital available, but we don't have that much experience in the CA market so we'd like to meet people involved in new construction (passive house), add value projects, as well as re-entitlement and fix and flips.