I have yet to purchase any properties, which means I qualify for the first time home buyers assistance (not sure how much assistance this actually is yet) and I plan on purchasing a duplex, triplex or quadplex sometime in early to mid 2009 as my primary residence.

If you have enough properties (or a large enough single property) to make good use of employees, I feel it is the smartest way to operate...as long as you A) LIMIT the types of work (to minimize injury risk...a worker's comp experience mod increase can put you out of business); B) pay what is necessary to attract a WELL qualified employee (NOT your typical "handyman"); C) are an efficient project manager, or are willing to delegate that task to the employee...and generally support his decisions/timelines.If you try to micromanage...you will have turnover, which will be more costly than hiring a contractor.

HSA's do require a high deductible insurance plan, as to paying for a second in addition to the one provided by your employer or switching is something you should verify with your financial advisor or by looking up the HSA guidelines on qualified insurance plans.

I can do lead-gen for pretty much any area, as I've become skilled with online marketing.

2 Qualifiers for me:You have enough income to support whatever lifestyle you wish to live.You don't have to work for the money.Landlording is a job.

If you are the only member, then you will need to qualify for the loans and guarantee them.

.`(2) CONTENT- `(A) ANALYSIS- The study required under paragraph (1) shall analyze--`(i) the feasibility of establishing a mechanism that would facilitate the more rapid refinancing of borrowers at risk of foreclosure into performing mortgages insured under this section;`(ii) whether such a mechanism would provide an effective and efficient mechanism to reduce foreclosures on qualified existing mortgages;`(iii) whether the use of an auction or bulk refinance program is necessary to stabilize the housing market and reduce the impact of turmoil in that market on the economy of the United States;`(iv) whether there are other mechanisms or authority that would be useful to reduce foreclosure; and`(v) and any other factors that the Board considers relevant.

I love the 50% rule - It really helps newbies such as myself in qualifying first deals.

I'm working with REO brokers who have REO's listed and who have buyers that can't qualify to buy, i.e. less than 680 middle credit score and 20% down.

I've seen them often make excellent leaders despite their bad people skills.