We can put down about $100K and have extra cushion for renovations/closing costs.In your experience, if you were advising two newbies, would you WAIT to buy in Oakland until prices drop?

Hi there. I'm curious what app you guys have found that works best for adding additional lines to your cell phone for business and marketing campaigns. So far I've evaluated Line2, Grasshopper, Google Voice, Vumber, a...

@Paul Roman There is no magic wand to make an extra $200/mo appear.  

@Frank Jiang, we've been burned by a salesman claiming to be an "advisor" once.

With this being our primary residence and with all the other factors mentioned above, would you say it is ok to pay the extra $10,000 and not complete all of the finishes we would like to put in the home since some of them would only be cosmetic.

*combined with theirs an extra building lot would be created *Our house..which is an antique cape completely rebuilt after a fire.* It would make their land into a more cohesive piece.The access that they currently have is challenging..it would cost a great deal to get water and electric that far ( if they even want to do that).

I even have an extra ticket.

So today I got in my car with an almost empty gas tank, I put my eBay business on hold because I needed to burn a bridge where I had to go out there and find properties, not just "oh it would be nice to find a property or two" but I had to have a burning desire and I told myself, "I have no money in my account, my truck is almost on empty, but I will will find at least properties that I can work with, I have to."

An extra $85/mo was scheduled to come out of my pocket (and out of my cashflow!).

After the purchase last year, I do not have extra cash laying around so lately I have been researching lenders and ways to access funding.