Peoples needs and motivations vary a great deal, and, while very broad generalities may be valid, it is not reasonable to assume that the criteria for buying a home, renting a home, buying a car, and obtaining a credit card can all be optimally based on the same three digit number.

Many if not most of the time, we modify the payment to keep the borrower in the home and we are seeing a double digit return from this.  

i am a single digit handicap so I play golf fairly well. 

I think that rule of thumb is more for states that get into the single digits and get 8 feet of snow every winter. 

Isn’t a bet on Richmond really a bet on the average Bay Area Home price to keep growing double digits and this bring Richmond or Vallejo in the conversation?

That kind of budget would include something like paint,carpet,new hardware on cabinets and paint, new fixtures, new countertops, and some appliances.

I would like to slightly modify what Account Closed indicated as the cash flow is great but the initial cash flow is not.We have one property has cash flow that comes slightly close to 5 digits monthly. 

As far as digitals / programmables, when visiting the properties, most times the clock is flashing 12 on the thermostat or low battery indicator, even when not, they are almost NEVER programmed, just set to one temp 24/7 .  

"SPOA gone digital" is a deceptive name being used by MassLandlords.

As we all know a digital media presence can have a large monetary value as we see in Twalue, or in the sales of domain names.