Everyone can attest to the real estate market being HOT all across the US.

The hot neighborhoods often have lines out the doors once something decent comes on the market. 

It falls at 1.2% for the purchace price to rent ratio, and my income to expenses (without morgage) is 34.5%.The house has been recently remodeled with a new roof, new HVAC, new windows, new siding.

I now realize, after 50+ years of learning math (you never stop), that they were all correct...they never have, and probably never will, use it.Thank-you Bill, you have finally put a check mark on the "I use math" side of the ledger.

Just needs a power wash on the siding and some new plants out front.

There are thousands of banks across the county and many other types of lenders.Well Fargo just sounds like they are not that hot on the idea.Find a lender who wants the business if that is the way you want to go with placing new debt on the property.Have you tried U.S.

Seen the life locals have to do just to get by - not a fan of 2 jobs plus seasonal side jobs.Read RDPD (rich dad poor dad) and it opened my eyes to the values of real estate.I plunged into the beginners guide offered by bigger pockets.

I miss the hot Valencia weather.  

@Ben Le Fort Canadians don't have Zillow, Trulia, Redfin, Hot pads or Rentometer. 

I have been a 1-4 lender for many years and am enjoying the commercial side as well.