I get something closer to 9%. 

In general, I prefer Stewart Title or Chicago Title, but I will only close at either with on of their Fee Attorneys or with a commercial closer since they're typically more knowledgeable and able to understand my reasoning to wanting revisions to their documents.

Also, the owner usually gets screwed in the end because the bank won't agree to the wholesalers' price that he needs in order to be able to resell, below market, to an investor, and the owner just ends up 90 days closer to foreclosure auction.  

When I could go a couple months without setting an alarm clock I knew I was getting closer.

The closer to broad ripple the more renters there probably are but also the more maintenance you'll have to do between renters due to their likely age range and lifestyle choices.

Greetings!I am new to this forum and I hope to gather good information for competent decisions.  Anyone out there from Northern California?Best,Jacalyn

Maybe stay closer to 100k or go higher?  

The HOA fees are $175, Taxes are closer to $50 /month.  

Now, we never buy off MLS/retail, so our rent to COST ratio is actually much better, closer to 1.3 - 1.4% or better.We find that the $100 - $125k range (market value) yields the best ratios.  

I guess maybe it's that "grass is always greener" syndrome.