I will advise that you have another lender take a look at the deal.

If the owner lives in town, you could even go knock on their door, I find this to be extremely successful when you are going after foreclosed properties.As to your 1st post, you might want to look at city data for growing markets, It looks like Rochester lost population last year, vs if you look at sunbelt cities like, Houston, DFW, Austin, Miami, Orlando, Tampa, these cities saw at a minimum 1% population increase.

Srinivas,Looks like you are in Texas I know El Paso has some good cash flow rental prospects.

What does that middle ground look like for you?         

Hello,I am looking to talk to someone who has used Auction.com to purchase.  

I believe in the potential of Oakland, and I’m looking forward to exploring opportunities that can contribute to our neighborhoods.If you have any tips, resources, or insights to share, I would love to hear from you!

there are costs at every step - costs to buy, costs to hold and costs to sell. 

Can't wait to attend live at BP Con

We had 4 people total, and I had to pay extra for more than 2 people at $30/night per person. 

Side note: My husband and I are currently funemployed (we both have seasonal jobs) until October, so not sure if we could qualify for traditional re/financing options at this time.