Look at your COC return & decide if the deal makes sense for you.If a deal yields 12% COC with a 10% interest rate, thats still a better deal than a deal with a 9% COC at a 7% interest rate.This thinking comes from an abundance mindset rather than a scarcity mindset.

Every county I’ve declared a homestead made it abundantly clear that it was no longer valid the day I moved out.

They were 3 bed and 2 bed + flex room units in a desirable neighborhood where the housing inventory consisted of an abundance of quality for-sale housing but the rental inventory consisted almost exclusively of vintage garden style apartments and "tired" apartment units over commercials spaces. 

Construction matrial and labor costs continue to rise as does insurance, permiting requirements and code amendments continue to add time and costs to permitting and construction,   tenants continue to become more educated (translates to understands how to manipulate and take advantage of landlord/tenant laws and these tenants are most often the tenants in C/D rentals), tenant advocacy groups have never been more abundant.

Glad to see you listed San Antonio, TX, as one of your recent to-do listI helped several investors from all over the United States looking into San Antonio, even investors from overseas looking for their rental play expansion in Texas --our market has quite an abundance!

Quote from @John Clark: When I read successive “rah rah” posts, I smell skunk cabbage, but that’s just me.Perhaps, but also maybe folks are looking to spread positivity as a networking strategy, which resonates with how I aspire to be: Giving value in as many interactions as I can, because that truly is abundance.

Quote from @Scott Scoville: Quote from @Sergey Tkachev: There are a number of meetups in Sacramento and we have been coordinating the dates among hosts so that there is no overlap - I run the West Sacramento Meetup that @Ben Howard mentioned (we gather every 4th Tuesday of the month).Here is a list of meetups that we're in collaboration with (they are all based on an abundance mindset that we have here on BP)- 1st Tuesday - REI Connect @ Roseville Meetup (reach out to @Nicole Masters)- 3rd Tuesday - Investor Mixer @ Crawdads on the River- 3rd Thursday - Folsom Out of Bounds (dates may shift a bit)- 3rd or 4th Wednesday - Real Estate Round Table (CH Cafe & Grill) - they recently relaunched and stabilizing the schedule- 4th Tuesday - West Sacramento Real Estate MeetupI'm working on putting together an easy to access list that Sacramento investors can refer to. 

As soon as I read your post, I took the long-shot and offered an abundance of documentation along with a detailed letter of explanation for the potential manual underwrite exception. 

Greg has an abundance of knowledge and experience and I feel like he can provide a lot more attention than some of these other programs.   

The concepts taught here on BP directly address the scarcity concept of investing in stocks vs. the abundance of investing in real estate.