Yes doubt is a mean thing....in fact I have a quote at my desk that says, "doubt kills more dreams than failure ever will." and that is so true.I knew what my father-in-law was going to say, before I even asked.

It is really stressful not having a clear legal agreement because my mom is so unpredictable.

I have to explain your regular electric bill is so much for your computers , lights , tv.

The only reason I keep my mortgage and one card and pay it off each month is so that we can play the credit score game.Now if your going to tell everyone that you have to have a credit score to get a mortgage that is incorrect, you can get an mortgage company that does manual underwriting where they look at your w2's and your rental history and base it off of that.I'd rather not go through that process because I thinks it's easier with real estate investing to have a credit score because it opens up more avenues.

I call him when I am under contract and he gets 20% I keep 80%I could probably find a better split but he is so easy to deal with and helps me out if I ever need it.

Yea, that is a screwy way to say what I think they are trying to do.I will walk through what I see for you:Loan Amount = $33,000Payment = $655.45Amortization (m) = 84If we use these, we can figure out what the effective Note Interest Rate actually is, so we can understand the 8% vs 16%.

If anything I suspect there is so much volume now corporate owned and managed that if those funds fail we could have a drop in the housing market.

There are mixed part in san jose that offer some cheaper deals, but I am also looking at one area that looks like a good opportunity: East Palo Alto.Can you tell me why this area is so cheap compared to the neighboring palo alto.

It is so nice to be able to use it wherever and invite others to use it from wherever.Hope that helps.

Is so, still happy?