I usually drive to the mailing address (if possible) and speak to the owner face to face.

Doesn't make sense if the HOA was going to be settled that they would continue thru the auction.

If they don't understand cap rates and how to use the factors that drive cap rates to determine value they may just be shooting from the hip.

With that site, the only way I used to drive traffic to it was through an Google Adwords campaign with a budget of $5/Day.

I have flipped in WI thru the winters for the last 9 years.  

Hi @Ian Ramos, as other members have said above, "it depends".However, I feel like you want to hear a number, so try $100K.That won't do in Toronto proper, but if you're willing to drive to other parts of the GTA, you can get your foot in the door with $100K cash.

Northern CA specifically because I live here and drive back and forth.

First lender is known to me and I can take over if needed.3. for now only deals I can drive to incase I have to take over .I don't know your capacity but on the face of your post it looks like to me you have tied up property you know you can't hard money loan but need the down payment and interest reserves or payments and you will use non of your own money.

The Podcasts allow me to learn while I'm driving.  

There are a lot of good people here.Until then, drive/walk for dollars.