Sonya,I'm moving to the South Bay area in about 2 months and i'm looking to find a Single Family Home in the Hermosa/Redondo/Torrance area in the $300k - $400k range.

My area is quite unique, constantly improving and almost recession proof due to proximity to big apple.  

I am aware of the diverse expertise range in BP.  

I have a unique perspective this topic.

Fast forward to now, the market is back up and now that I am trying to Refi again my DTI ratio isn't within range due to when I bought the house we used my wife income but she was not in the loan and now if we use her income she has to be on the loan but has bad credit.

The rest range between 8-18% but often can be bid down to 0%. 

Background: I am wholesaling using a "unique" strategy (using sales skills on the phone rather than email blasting and mass low ball offers) which I've been learning from other investors in Tampa.

In the price range you mentioned, you would usually need about $50-60k to get in and out safely.

Well I have a Long time friend that I would like to go into this business with and he currently lives in Wisconsin and the home price is more in range in that area.

Being around apartments my entire life, and being in the trenches as an owner/manager, gives me a unique way of working with buyers and sellers.