Our position is too many things in life happen - tenants lose jobs, get divorces, die, etc, and are margins are so small to begin with that we cannot afford to take on all the risk.Some PMC's do offer 12 month replacement guarantees and cover all eviction costs, etc, but they usually only do that on Class A properties or have an assortment of loopholes out of their guarantees.

They will likely jump up (I think) but I dont expect any drastic changes in the near future, in terms of peoples access to affordable debt. 

It is also the only way we were able to afford a home in San Diego.

I’m looking to move my family down there ASAP and trying to find what’s some good areas that are affordable and safe with a mixed diversity.

I can afford that.

Also, if you can afford it, work with someone to help with the set up the system right the first time.

@Tyler Smerz - If you can qualify for a conventional loan and can afford the extra 1.5% down payment, I'd recommend going that route over FHA so that you can save yourself some money on the Mortgage insurance cost.

@Colin J Parks, ha ha,Colin, I have been started for years, life and health events change plans unexpectedly as we get into the forth quarter.

Our affordable (livable) housing is almost non-existent now.

There are many sites which I know of in which you can pay either a per list fee, or a subscription fee, to have access to motivated seller lists.My question is does anyone have any recommendations for ways to obtain these lists that may be more affordable?