Hoping I can provide owner financing to people who have the money, but haven't established themselves here yet.I had only driven by before.

Its all price point driven, in eastern Co Springs houses are going up like gang busters - all delivering at a price point around $300k, seeing construction in Boulder County too - Lafayette has a couple subdivisions going up now.

I am the definition of driven.

@Samuel Persson I have driven through it a handful of times.

I wanted to ask for your advice regarding a decision I’m putting in front of myself: I’m trying to decide if my next investment property should be a play for appreciation or cash flowI’ll try to give enough numbers and information to hopefully provide you with the ability to help provide your guidance.My Current Portfolio- 7 “cheaper” cash flowing properties (values ranging between $140-$210K) in Las Vegas, NV- 2 “expensive” appreciation properties (values ranging between $650K-$820K) in Orange County, CA- Monthly cash flow (for all 9 properties): $2,600Other Relevant Information- I’m currently working full time- I have enough savings to last me more than 2 years (without a salary)The Investments I’m ConsideringOption 1- SFH in Orange County, CA, for $650K with negative monthly cash flow of $300- 30 year loan with 25% down payment of $187,500Option 2- SFH in Orlando, FL, for $170K with positive monthly cash flow of $270- 30 year loan with 25% down payment of $42,500Pros and ConsOption 1CONS:(a) Negative monthly cash flow(b) Large down payment(c) Even larger exposure to market in Orange County, CA (would be 3 properties)(d) I would likely have to sell one of my existing Las Vegas homes to come up with down payment (otherwise I’ll have too many mortgages to qualify for a new one)PROS: (a) Potential for larger appreciation (10% potential appreciation in 5 years of $650K vs. 10% appreciation of $170K), so I feel it is a better long term play(b) I’m not sure if you guys typically give this much weight, but when I include the larger principle payment that would be made every month (e.g. around $800), it changes the monthly cash flow equation if one chooses to consider it, making it more attractive (long term)Option 2CONS:(a) I feel it’s a weaker long term play (less appreciation potential)PROS:(a) Positive monthly cash flow out of the gatesGeneral Notes- I feel I can sustain the monthly cash flow in both cases- I am only considering taking on the larger property (Option 1) because my other cash flowing properties provide me some buffer. - However, I’m wary of pushing the limits too far and exposing myself to too much risk (debatable what is “too much”)ConclusionI'm looking for your advice/guidance about my above decision.

the appraisal is coming up with a # I didn't  expect and that therefore makes you think it doesn't have the right equity/debt ratio for my investment plan. 

Driven by fear and fear is the lack of knowledge.

The competition will be fierce and the price will be driven through the floor.

I wish I was driven this way when I was a teenager I'd be a lot farther now.

At least if that broker/agent is doing any kind of business and not standing around twiddling their thumbs.Example someone contacts a broker/agent:Investor A: I have read and heard of this little to no money down thing.