Banks, Mortgage Brokers and Lenders have the same rates and programs everywhere in the United States.

If you use a program like Turbo Tax, they will calculate the correct amount of depreciation for this year automatically for you.

If I were you I would look into the FHA 223f program for commericial loans.

I have plenty of experience with section 8 tenants and have nothing bad to say about them or the program.

Each program is separate(one for buyers and one for sellers), and they aren't cheap.

There are also Homepath program and HUD houses that sometimes allow special financing.

I have been interested in joining the real estate market as an investor for some time now, and like most people I have spent tons of money on programs from "gurus".

When I spoke with a lender at BMO|Harris they mentioned I might benefit from their Neighborhood Home Loan(NHL) program.Has anyone ever heard or used this program before?

I agree with most of this, except that you can use the FHA loan to purchase a 2-4 unit property and rent out the other units if you want (completely legal and part of the FHA program).

I still think a well thought out direct mail program is they way to go for marketingAs far as education you cant beat Josh and Brandons "Beginners Guide to REI" found here on BPAnother guy I reccomend Highly is Justin Williams at www.houseflippingHQ.comHe has a course called FFF which is excellent and he sells for peanuts,,,plus hes a honest squared away going doing the business full time,,,,In time youll find REI is a tough little nut to crack ,,but it is worth all the effort if you stick to your guns and press onHope this helps,,,I wish you ther post.Im a contractor and I post here about plumbing and contractor issues from time to time.I love BP and all the gang here and I try to help and do my partGood Luck RobertDD in Los Angeles