They are trying to revitalize but it isn't an easy task, and the homeless population is EXTREME.

@Edgardo Matos technically yes, however it will likely prove extremely difficult for you to find a bank willing to use a small pIece of land as collateral.

Right now, I am looking at a 5.125% with 0.5 points for the refi on the others, and I am honestly not sure if I will go forward with it.

I find it extremely difficult to find a bank/credit union providing <$500K multifamily loan in San Anatonio TX.

Honestly I feel like most wholesalers are probably breaking the law, they just get away with it.

I've kind of adopted the approach honestly to not bog myself in CPA type of considerations in terms of making decisions. 

If you think I sound crazy and over ambitious, then I would like to thank you for the compliment as I have worked extremely hard over the past 2 years to make myself that way.

I’ve found most people to provide honest and useful feedback on my questions.

My wife and I agree to allow them to dispute the appraisal with my lender. during this past week, the sellers apparently felt we were balking at continuing on the contract, and honestly we were, because we had seen other deals we might like to consider, and let's be honest, we don't think the dispute of the appraisal will net a $35,000 increase in value and make the sellers happy.

To take this example to the extreme, imagine that one person took out the mortgage but 20 people were on title.