If you do not have photo shop you can use some open source programs like Paint.net or Gimp.

One thing to note if the buyers are getting a loan lenders restrict the total percentage credited to the buyer depending on the program but generally it's 3%.

Hi all,Newbie question: since there seem to be many areas in the US where houses cost $20-100,000 and there are several government financing programs that let people put down very little as downpayment (less than 10%), why do so many people rent rather than just buy?

I went through the dean Grasiosi program and got some basic understanding for the investing side of real estate.

I know for a fact wells fargo has a 2% down conventional program with NO MI.

I'm getting some grief from the local Housing Office due to their failure to understand complex real estate title holding strategies and the IRS TIN Matching program.1) The Housing Office wants to know who the owner of a property is by supplying a copy of the deed.2) They want to match the SSN/EIN of the owner for 1099 purposes using the IRS TIN matching service.Easy, right?

I have listened to so many different podcasts and programs which honestly left a very bad taste in my mouth.

I've seen some people say rentometer.com and yet when I plug my rentals into the system it almost breaks the program.

Josh, when you are working with your lender to select a loan program they should tell you if your loan is a Fannie/Freddie product.

I commend you for starting your investing program early.