It's been a great 2012 already.1) Closed on the sale of one of our rentals (which was my personal home at one point).2) Closed on a tough duplex deal for a buyer client. 3) Refinanced 2 of our duplexes.4) Had record level blog traffic. 5) Started shopping for our own new home. 6) Kept up with my workout plans.I should mention that #1 and #2 were both difficult for similar reasons that Thomas mentioned.

Any special criteria?

For years I had a few builders that specialized in in-filling, sometimes the adjacent lot owner was a good prospect because it increased the options to that owner, sometimes I was able to use the lot as a down payment on something else or able to have that owner use it to buy something else, so if you can get an option for $10 at a good price it's a cheap gamble.

I I paid special attention to the speakers in the subjects that were going to be covered.

Keep in mind that while it's tough to get loans under 50k today, in 20 years that could be 100k or 125k!

Even then, it would be tough.

it was tough going thru withdrawl from thia habit!!!!!!

We live in California, but do all of our investing out of state using real estate agents who specialize in selling to investors.

You have to use at least a Special Warranty Deed and preferably a General Warranty Deed or they won't insure the title.

I think many good people had a tough go of it in the last few years.