I read this article.. http://fortune.com/2015/02/15/predictions-for-2015...And I see the part about Amazon.. immediately thought about the correlation to Seattle real estate..."

@Tim Davids The reason I brought up the REIA is because it is relevant. 

They are anything but short ;)Here is a detailed article I wrote about the processhttp://www.biggerpockets.com/renewsblog/2014/11/17...The short answer to your question is the bank won't get started till they have an offer.

Until now, I always advised my clients and tenants that the last month of rent has to be paid in full and the deposit, which we hold in a separate, interest baring account, will be returned to the tenant with interest or have a portion applied towards damages created by the tenants with a full, detailed explanation and copy of a contractor invoice.As you can see, if an owner deviates even a bit from this law, or if the owner used the deposit and did not keep it in a separate checking account, then the tenant can get the equivalent of two months of security deposit and attorney fees.This article was written by an attorney that specializes in representing tenants.

Read this article for wholesaling:  http://www.biggerpockets.com/renewsblog/2015/01/31/ultimate-beginners-guide-real-estate-wholesaling-2/

If that is in Colorado, start at http://www.lexisnexis.com/hottopics/colorado/ Title 38, Article 38 may be a good place to start.

I googled and here's the article confirming that http://themortgagereports.com/7395/the-5-10-proper...My goal of this small discussion is whenever anyone is trying to finance 5th investment property and got rejected by some broker/lender and he/she gave you excuse about FNMA not allowing, please forward him/her above article .

Hey @Tyler Flagg - there are a few forum articles on here about rehabbing houses with really bad cigarette damage.

Don't miss The BiggerPockets Podcast - they are great for learning how others are finding success.Also - here's a couple articles you might enjoy:The 21 Best Real Estate Investing Books Ever How to Rent Your House: The Definitive Step by Step GuideHow to Be a Landlord: Ten Tips for SuccessOh - and be sure to set up some Keyword Alerts- especially for "San Diego" so you'll be notified when people mention it here in the forums.Thanks again for introducing yourself!

Time is a much an asset to me as money.Cashflow, as I understand from all the articles I've read here, is the NOI-OE-Mortgage.