Steve, It's an Estimate Of Market Value, it's an opnion of value, not a market value.Where the parties have equal knowledge (within reason, knowing deficiencies, zoning issues, etc.) of the property, not so much as to the ability of one being a better negoitator.Where the buyer and seller are aware of the issues that effect value concerning the property.

I can’t defend the greed or lack of ability displayed by these banks.

." -- Ben FranklinAs I have remarked in prior calendar-turning newsletters, it is this time of the year when most people pause to reflect on the past, ponder the present, and plan the future.

I like it that way and I only delegate when someone proves their ability to add value.

I second the need for the ability to see if people are online.

I use my local Farner's agent who also has the ability to get me some specific insurance policies for rehabbers which also includes $1M in liability protection on the property.I have no idea if, in a court of law, the insurance company could get away with such a technicality, but I don't want to find out!!

On a side note, A bill in Colorado that would require ALL hardmoney lenders to be licensed is dead!!

Sam - I actually like the name, and don't think it hinders your ability to expand.

You have to have the ability to attract others and make sure when you speak you are not forgettable.

This is not working as the stock of housing they own is generally in bad condition and requires repair beyond the ability of the individual owner to fund.The Obama administration is stating two things:1) The government should not own individual properties that have been repossessed through foreclosure.2) They want to enact a program that encourages investors (as opposed to owner occupants HUD currently favors) to acquire these properties who can afford to rehabilitate them and then rent them or sell them.As an investor interested in acquiring a portfolio of rental properties, I'm curious to double-click into the details of the program and understand what exactly is being proposed.