Monique I just scratched the surface, We've had a 10% drop in values in something like the last 3 months an article just said recently, on top of the previous 18 months.

I really enjoy this guys articles, do to the fact I can help a lot of individuals get out of ruts.

I have alot more respect for RE bceause there is so much to learn.I came across an article about 203 (k) loans.

What internet sites have you used ?

You get blogging, much customization to fit your personality, a message forum, prepared articles, great prospecting and database management, email, and so much more.

Take some time and look through the articles at the top and on the left side.

I'd have to say my Grandma got me interested...Read my BiggerPocket article on how my Grandma got me startedWhat Grandma Taught Me About Real Estatehttp://www.biggerpockets.com/renewsblog/2008/06/23/what-grandma-taught-me-about-real-estate/I continue because I can do some good for foreclosure victims...and it's the only retirement vehicle that will keep pace with inflation.Our favorite holding period is forever.

Here is an article I thought many of the newbies would enjoy:Salesman Quits Selling Windows And Opens Door to Investing

Rents in this area are in the 1 ½ - 2% range.You can read my interview on this site at:http://www.biggerpockets.com/renewsblog/2007/04/09/meet-the-investor-real-estate-investing-interview-with-rehabber-richard-warren/An article that I wrote on the Ely, NV area:http://www.narreia.com/newsadvice/news_detail.php?

In the article there are links to tons of other foreclosure sites....