I don't care for AAA unless you're a car club or a car repair shop.

While those statement may be true in your market, they're certainly not true in every market...

That's true.

Notice one poster stated California is a tax deed state, true, but the law is on the books that tax liens are possible if a county wants to use them.

REIT's are also predominant in the large industrial warehousing, huge shopping centers, large office buildings.

I vacuumed it with a shop vac and installed it.

Asking what "programs" might be available will only get you what hard money lenders are doing or what brokers will be offering, that's not true private money.If your grandmother has a friend willing to lend you money you need to strike your deal with her.

But that is just an assumption, I have no real basis if it is true or not.

I do the laundry, dry cleaning, shopping, etc....

If you do all your rate shopping within a short period of time (i.e. 30 days or less), it typically won't hurt your credit anymore than a single inquiry.