(Please don't construe any contact info I provide as an "endorsement" or "recommendation.")Regarding the company your inquiring about, I've come across the following links - for whatever their worth (they may or may not be reliable):https://getoutofdebt.org/46215/saen-higgins-switch...https://getoutofdebt.org/36930/are-wealth-without-risk-informercials-an-extension-of-john-beck-tax-lien-systems-challenged-by-ftcIt's unfortunate that there is often an inverse relationship between (a) the amount of marketing an education/guru company does and (b) the actual value of the services provided.The initial sale made by such companies are really part of getting unsuspecting consumers into a sales funnel that leads to selling the consumer an education course for $10,000's.

I own a few properties throughout the Chicago suburbs and I'm looking for a new market.

Do they need some "sprucing up" ($2-3k) to get market rents or do they need more extensive renovation. ($10+k)- How is the building appear from the outside?

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

To answer your question: As for my market (San Diego) there is such a shortage of housing that even with a steady population we have been near nation high in RE appreciation each of the last few years.  

I would think no, and that a refund is owed but I also am not specific to the market. 

Study the market.

It's hard not to fall into this trap when digital marketing and social media advertising is constantly shoving all of these unnecessary products and services down our throats. 

Identify which market you want to be in and start making connections there.

People who can share their experiences in different markets or with different investment strategies.