I talked to my loan officer again this evening and it basically comes down to my credit score.

We called the number AFTER we had done a very basic walk-around peek in the window walk.We asked what was the price they were asking?

The trick is getting the recipient to receive the message.

It increases laundry revenue by large margins in basically every study.

Forclosure simply doesn't exists, since there was only 9 forclosure last year....A simple, basic SFR is over 2,000,000 USD and a good property in a good location is over 10,000,000 USD so It's completly out of reach for me and I'm looking at condos.For condos, the median price is 10000 CHF per square meter, to translate it's 1000 USD per sq ft and it's a median price, condos near the lake or in the city center are two or tree times more expensive.With theses prices, the 2% rules is completly impossible to obtain since the rent for a small condo of 300 sq ft is around 1500 USD (0.5%) per month and a 1000 sq ft condo is arround 4000 USD per month (0.4%).The only good thing is the interest rate who is incredibly low at 2.79% for 15 years for a fixed rate for exemple, another "strange" local particularity is that in Switzerland we don't really pay our mortages, ever : for fiscal reasons it's a lot more interesting to have a debt on our house so we pay a small interest rate and have a big tax reduction.Most of the experts agree that Geneva face a housing bubble, the problem is that 10 years ago they where saying that too and prices have rised by 100% since... and there is still a severe house shortage and very low credits costs so I don't really see how things could really change...I tried to look in other part of Switzerland, the price is lower but the rent goes down too so the ratio isn't really better...One possiblity would be to invest in France since the border is so close and the price theres are 40% lower and there is a lot of government helps for investors like 19% of your money back on a new house purchase if you keep a gov fixed (read low) rent for 9 years.What would you do in my situation ?

A “thin file” basically means someone has limited or brief credit history or not enough credit accounts to generate a credit score.

The funny thing is that when I'm in the middle of trying to get a deal done...it becomes the most important thing in my life and I never stop thinking about how I can come out ahead..when I lose out on deals that i really wanted to make work,I go into basically a full depression mode for a few days.

Sets the right expectations/mindset needed going forward - basically, there is nothing easy, no shortcuts and a strategic plan is essential to your success.I read the book after reading a lot of blogs, BP and a couple of other books (Millionaire Real Estate Investor) so I didn't find it particularly useful.

Arktavious, that was basically my point.

Roughly $400 a month - or 5k a year in my pocket which basically pays for a nice vacation for my family every year.You might be able to check with them about an umbrella policy as well.