After much reading and research, I choose this type of investment for several reasons, not the least of which being it is what I can best afford; vacancies shouldn't be a big problem since its a high rental area; its a low income area, so if I find a sound building, I won't need to spend a lot on improvements to attract tenants (since the tenants wouldn't be able to afford to pay for those rental extras anyway).I'm doing the deal with "no money down-ish" by tapping the equity in my personal residence (HELOC, rate is prime, no margin, 15 year term) for the down payment, and financing the rest at 90% with a conventional 30 yr, 7.75%.

I placed the extra plywood under all of the cabinets for consitancy.

It will have a lot of data on price per square foot of various items.

I have good credit (750+ fico) but not enough extra income to support rehabbing and paying rent.

tell them that you need that extra 10% at close in order to do improvements and reno's to the property.

Considering that i have a functioning brain with the ability to read and analyze data i have decided that they are not going to make money off of me on information that is available for free or even a much smaller fraction of their cost.This is my vision and am kindly seeking your guidance.

thx>>It's really better to buy things directly from the county because you do not have extra fees added to the ownership of the lien.

Even though I made (and still make) good money in my profession (information technologies), I never had *any* extra money, always blowing it on hobbies, car payments, etc.

That includes extra taxes from losing my homestead.

It can only interpreate and act upon the data it's given.