Hi Edy,

Consider a owner finance property. I am not a realtor but an educated home buyer with seven paid properties under my belt. I dont have a traditional scholar degree, but do have lots of comun sense. Remember, realtors are good to guide you thru the process, but their education focuses on property law. However, for a seller whose home isn't selling or when traditional lender guidelines are tightened, owner financing suddenly has becomes very popular. Owner financing is definitely a viable option because we are in buyer's markets. When you deal directcly with owners, and a well crafted lawyer you can save many dollars and avoid the finance buracracy that entangles many people to co-mingle unesesary dollars without no explanation of the moneies final destination. Make sure you move on factual numbers, and do not follow opinions that may sound good. Many opinions are formulated to distract you from the true entanglements and the many hands that reach out to the pot of money you are willing to put out to purchase a property. Owners can well finance you a property with the same power a bank or even more leaverage. Remember its a buyers market, and you can stand strong on the rules you make based on your buying power.