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Unfortunately, that doesn’t seem to slow down the number of people who knock on my door wanting to sell me something or get me to go to their church. Several months ago a neigh bor suggested I put my own “No Solicitation” sign on the door. Sounded like a good idea so I tried it. Of course, it didn’t work any better than the sign at the gate. So my question is, are there any laws that limit or control the solicitors who come to your door? Is there anything I can do about it? Thanks.
A: We’ve all been there in one way or another. But I’m afraid I have to give you the typical lawyer answer, “Yes and no.”
Yes, there are regulations. But no, there’s likely nothing you can do about it absent buying a large angry dog who resides at the end of a chain that’s permanently anchored to your door knob.
Under the law, what you’re really asking is “when is trespassing trespassing?”
From a historic perspective, the front of your house isn’t considered to be the same type of private property that you would find in your back yard.
Trespassing, as a matter of law, occurs when someone enters your property without a legal right to do so. A legal right could be that you gave them per-
mission, either expressly or by implication.
All kinds of people come to your door without your express permission. Mailmen, UPS, FedEx, Amazon, etc. all drop off packages. Neighbors stop over to borrow a cup of sugar or a bottle of Jack Daniels. That old guy down the street who everyone hates rings the doorbell to tell you your little Johnny just rode his bicycle over the dude’s
In other words, we recognize your front door is a portal by which you may be contacted.
For example, a guy who could be arrested for trespassing in your backyard may be perfectly within his rights to stand on your front doorstep. At least until you tell him to leave.
In theory, your No Solicitation sign could serve as notice that you’ve withdrawn your implied permission to bang on your door, and thus turned the solicitation into a trespass.
But alas, here’s where the right law school answer crashes into the real world.
The truth is nobody, including the police or the courts, are going to take any action against someone who rang your doorbell trying to sell you a magazine subscription so they can allegedly go to college. Or, for that matter, who bangs repeatedly on your door wanting to tell you about their upcoming church activity.
Going a little bit deeper: like many local cities, Davis does have an ordinance requiring
See Jones, Page 14
Fabulous views of the 6th green and fair way of the Green Valley Country Club, and Twin Sisters mountains. This exquisitely renovated estate has been completely redone from top to bottom. Behind the beautiful stone wall is an inviting front patio leading to the entry. Brandnew kitchen features a beautiful Wolf range, Sub-Zero refrigerator, dual Cove dishwashers, quartz/granite countertops, custom cabinets, butler’s pantr y, and simply stunning, climate-controlled glass walled wine storage. Porcelain tiled flooring throughout the main living areas. Two primary suites, heated bathroom floor, jetted tub, steam shower, and floating cabinets with under lighting. Other improvements include level 5 drywall, remote controlled shades, automated skylights, multi zone AC, custom windows & doors. The back courtyard can be accessed through 12x15 retractable doors. Enjoy the views, custom stone & wrought iron fencing, and a complete outdoor kitchen with its own pizza oven. The 4-car tandem garage is sure to impress any auto enthusiast. 3BR/3BA, 3635 sf on 1/3 acre.
Offered at $2,997,700
TOTAL SALES: 11
LOWEST AMOUNT: $445,000
HIGHEST AMOUNT: $982,000
MEDIAN AMOUNT: $706,000
AVERAGE AMOUNT: $721,682
906 Bradford Way - $965,000
03-29-23 [4 Bdrms - 2298 SqFt - 1982
YrBlt], Previous Sale: 10-26-06, $665,000
471 Camellia Court - $835,000
03-31-23 [4 Bdrms - 1814 SqFt - 1988 YrBlt],
Previous Sale: 11-23-09, $425,000
2133 Casa Grande Street - $689,000
03-30-23 [3 Bdrms - 1113 SqFt - 1969 YrBlt],
Previous Sale: 06-26-17, $510,000
424 Greenbrier Court - $757,000
03-27-23 [3 Bdrms - 1566 SqFt - 1982 YrBlt],
Previous Sale: 12-08-03, $385,000
57 La Cruz Avenue - $559,500
03-29-23 [2 Bdrms - 994 SqFt - 1943 YrBlt],
Previous Sale: 01-17-12, $140,000
842 Oxford Way - $982,000
03-29-23 [4 Bdrms - 2414 SqFt - 1985 YrBlt],
Previous Sale: 11-29-99, $350,000
101 Panorama Drive - $706,000
03-31-23 [3 Bdrms - 1338 SqFt - 1979 YrBlt],
Previous Sale: 00/1989, $165,000
577 Periwinkle Place - $960,000
03-30-23 [3 Bdrms - 2262 SqFt - 1990
YrBlt], Previous Sale: 10-13-15, $668,000
1860 Shirley Drive - $465,000
03-29-23 [2 Bdrms - 873 SqFt - 1983 YrBlt],
Previous Sale: 05-18-15, $312,000
1872 Shirley Drive - $445,000
03-30-23 [2 Bdrms - 873 SqFt - 1983 YrBlt],
Previous Sale: 04-19-13, $206,000
1752 Stuart Court - $575,000
03-30-23 [3 Bdrms - 1601 SqFt - 1984 YrBlt]
DIXON
TOTAL SALES: 1
LOWEST AMOUNT: $735,000
HIGHEST AMOUNT: $735,000
MEDIAN AMOUNT: $735,000
AVERAGE AMOUNT: $735,000
735 Fig Tree Lane - $735,000
03-29-23, Previous Sale: 02-09-21, $4,572,000
FAIRFIELD
TOTAL SALES: 27
LOWEST AMOUNT: $242,000
HIGHEST AMOUNT: $1,600,000
MEDIAN AMOUNT: $605,000
AVERAGE AMOUNT: $596,444
1408 Adams Street - $428,000
03-27-23 [2 Bdrms - 863 SqFt - 1954 YrBlt],
Previous Sale: 05-10-99, $115,000
401 East Alaska Avenue - $504,000
03-28-23 [4 Bdrms - 1563 SqFt - 1968
YrBlt], Previous Sale: 07-08-16, $317,000
4158 Biggs Court - $1,600,000
03-27-23
3334 Bingham Place - $625,000
03-31-23 [3 Bdrms - 1584 SqFt - 1977 YrBlt]
2925 Camrose Avenue - $421,500
03-30-23 [4 Bdrms - 1894 SqFt - 1976 YrBlt]
3129 Cherry Valley Circle - $790,000
03-30-23 [4 Bdrms - 2492 SqFt - 1993
YrBlt], Previous Sale: 07-06-09, $400,000
48 Del Prado Circle - $450,000
03-31-23 [3 Bdrms - 1385 SqFt - 1983
YrBlt], Previous Sale: 02-24-20, $357,000
57 El Toro Court - $242,000
03-30-23 [2 Bdrms - 805 SqFt - 1974 YrBlt],
Previous Sale: 07-26-11, $18,000
2013 Fieldstone Court - $673,000
03-31-23 [4 Bdrms - 2041 SqFt - 1990 YrBlt],
Previous Sale: 12-28-20, $610,000
2018 Goodman Court - $362,500
03-28-23 [4 Bdrms - 1696 SqFt - 1973 YrBlt]
989 Linden Avenue - $585,000
03-28-23 [4 Bdrms - 2378 SqFt - 1987
YrBlt], Previous Sale: 04-14-05, $527,000 319 Madison Street - $450,000
03-31-23 [4 Bdrms - 1592 SqFt - 1945 YrBlt],
Previous Sale: 00/1991, $125,000
88 Manchester Drive - $383,000
03-29-23 [2 Bdrms - 1029 SqFt - 1993
Previous Sale: 11-24-15, $199,000
Marbury Court - $605,000 03-29-23 [4 Bdrms - 1977 SqFt - 1982 YrBlt], Previous Sale: 03-05-18, $485,000
Monroe Street - $439,000
[3 Bdrms - 1277 SqFt - 1954
Previous Sale: 08-05-22, $305,000
714 Mustang Court - $685,000 03-27-23 [4 Bdrms - 2253 SqFt - 1990 YrBlt]
892 New Bedford Place - $620,000 03-27-23 [4 Bdrms - 2294 SqFt - 1989 YrBlt], Previous Sale: 07-22-20, $539,000 225 Pennsylvania Avenue #C7$370,000 03-27-23 [3 Bdrms - 1084 SqFt - 1986
Previous Sale: 12-20-12, $80,000
5287 Perry Polk Drive - $595,000
TOTAL SALES: 4
LOWEST AMOUNT: $375,000
HIGHEST AMOUNT: $500,000
MEDIAN AMOUNT: $441,250
AVERAGE AMOUNT: $439,375
524 Eagle Drive - $425,000
03-31-23 [2 Bdrms - 1231 SqFt - 2017 YrBlt],
Previous Sale: 09-13-17, $319,000
427 Eagle Crest Court - $500,000
03-31-23 [2 Bdrms - 1767 SqFt - 2013 YrBlt],
Previous Sale: 06-26-17, $385,000
314 Marks Road - $457,500
03-28-23 - 1462 SqFt - 2019 YrBlt], Previous Sale: 12-18-18, $428,000
308 Willow Brook Way - $375,000
03-28-23 [2 Bdrms - 1172 SqFt - 2005 YrBlt],
Previous Sale: 01-25-17, $280,000
TOTAL SALES: 4
LOWEST AMOUNT: $405,000
HIGHEST AMOUNT: $580,000
MEDIAN AMOUNT: $514,000
AVERAGE AMOUNT: $503,250
819 Bluejay Drive - $580,000
03-31-23 [3 Bdrms - 1990 SqFt - 1978 YrBlt],
Previous Sale: 05-19-17, $405,000
201 Cloverleaf Circle - $480,000
03-30-23 [3 Bdrms - 1158 SqFt - 1993 YrBlt],
Previous Sale: 01-20-15, $268,000
511 Lassen Avenue - $405,000
03-27-23 [3 Bdrms - 1412 SqFt - 1978 YrBlt],
Previous Sale: 09-09-11, $133,000
938 Shadywood Circle - $548,000
03-27-23 [4 Bdrms - 1724 SqFt - 1992 YrBlt],
Previous Sale: 08-29-14, $305,000
TOTAL SALES: 12
LOWEST AMOUNT: $375,000
HIGHEST AMOUNT: $1,500,000
MEDIAN AMOUNT: $580,000
AVERAGE AMOUNT: $644,917
373 Anchorage Drive - $620,000
03-27-23 [3 Bdrms - 1612 SqFt - 2015 YrBlt],
Previous Sale: 11-16-21, $604,000
407 Columbia Court - $539,000
03-30-23 [4 Bdrms - 1430 SqFt - 1986
YrBlt], Previous Sale: 04-23-09, $220,000
158 Del Rio Court #4 - $375,000
03-28-23 [3 Bdrms - 1056 SqFt - 1973
YrBlt], Previous Sale: 10-25-10, $56,000
449 Diamond Oaks Drive - $755,000
03-27-23 [4 Bdrms - 2685 SqFt - 1995
YrBlt], Previous Sale: 08-18-00, $395,000
155 Inyo Court - $530,000
03-30-23 [2 Bdrms - 1421 SqFt - 1987
YrBlt], Previous Sale: 01-03-19, $400,000
207 Madrone Street - $485,000
03-27-23 [3 Bdrms - 1286 SqFt - 1956 YrBlt],
Previous Sale: 06-13-06, $382,500
5544 Meridian Road - $1,500,000
03-31-23 [3 Bdrms - 2592 SqFt - 1981 YrBlt],
Previous Sale: 03-18-16, $932,000
1025 Opal Drive - $660,000
03-28-23 [5 Bdrms - 3387 SqFt - 1998
YrBlt], Previous Sale: 01-03-08, $500,000
706 Raven Drive - $595,000
03-27-23 [4 Bdrms - 1972 SqFt - 1989 YrBlt],
Previous Sale: 09-12-03, $395,000
127 Ravenswood Court - $565,000
03-28-23 [3 Bdrms - 1554 SqFt - 1964
YrBlt], Previous Sale: 01-08-00, $192,000
364 Weatherly Way - $515,000
03-29-23 [3 Bdrms - 1296 SqFt - 1972 YrBlt],
Previous Sale: 06-22-99, $138,000
953 Youngsdale Drive - $600,000
03-31-23 [4 Bdrms - 1800 SqFt - 1999
YrBlt], Previous Sale: 06-24-03, $355,000
TOTAL SALES: 20
LOWEST AMOUNT: $130,000
HIGHEST AMOUNT: $840,000
MEDIAN AMOUNT: $492,500
AVERAGE AMOUNT: $488,925
135 12th Street - $435,000
03-28-23 [2 Bdrms - 1548 SqFt - 1918 YrBlt],
Previous Sale: 05-04-09, $85,000
16 Baldwin Street - $305,000
03-27-23 [3 Bdrms - 988 SqFt - 1977 YrBlt],
Previous Sale: 04-07-20, $200,000
2225 Bennington Drive - $840,000
03-27-23 [4 Bdrms - 2646 SqFt - 2000
YrBlt], Previous Sale: 01-10-17, $599,000
160 Brigantine Road - $700,000
03-28-23 [4 Bdrms - 1709 SqFt - 1988
YrBlt], Previous Sale: 06-20-19, $499,000
318 Central Avenue - $210,000
03-31-23 [4 Bdrms - 2119 SqFt - 1934 YrBlt]
138 Chase Street - $353,000
03-30-23 [2 Bdrms - 1200 SqFt - 1925
YrBlt], Previous Sale: 08-21-14, $228,000
453 Clark Drive - $630,000
03-27-23 [3 Bdrms - 1933 SqFt - 1972 YrBlt],
Previous Sale: 10-05-04, $550,000
17 North Daniels Avenue - $500,000
03-27-23 [2 Bdrms - 1307 SqFt - 1928 YrBlt],
Previous Sale: 11-28-12, $129,000
119 Doreen Court - $510,000
03-31-23 [3 Bdrms - 1170 SqFt - 1974 YrBlt]
165 Gary Circle - $362,500
03-30-23 [3 Bdrms - 1140 SqFt - 1942 YrBlt],
Previous Sale: 11-21-11, $62,000
1201 Glen Cove Parkway #1516$400,000
03-27-23 [2 Bdrms - 1014 SqFt - 1992 YrBlt],
Previous Sale: 07-15-08, $145,000
3602 Hazelwood Street - $420,000
03-31-23 [3 Bdrms - 1017 SqFt - 1953 YrBlt],
Previous Sale: 12-22-00, $179,000
716 Humboldt Street - $130,000
03-27-23 [4 Bdrms - 1346 SqFt - 1942 YrBlt],
Previous Sale: 03-17-16, $175,000
1017 Mariposa Street - $595,000
03-31-23 [3 Bdrms - 1218 SqFt - 1942 YrBlt],
Previous Sale: 10-26-22, $410,000
584 Newport Way - $520,000
03-27-23 [3 Bdrms - 1449 SqFt - 1984 YrBlt],
Previous Sale: 03-17-11, $180,000
221 Parkview Terrace - $485,000
03-31-23 [4 Bdrms - 1798 SqFt - 1972 YrBlt]
106 Pepper Drive - $780,000
03-28-23 [2 Bdrms - 1048 SqFt - 1954 YrBlt], Previous Sale: 03-15-06, $411,000
113 Roundhill Court - $755,000
03-29-23 [4 Bdrms - 2869 SqFt - 1979 YrBlt]
273 Sage Street - $506,000
03-29-23 [4 Bdrms - 1276 SqFt - 1959 YrBlt],
Previous Sale: 04-10-14, $210,000
608 York Street - $342,000
03-31-23 [2 Bdrms - 1172 SqFt - 1905 YrBlt]
These are the local homes sold recently, provided by California Resource of Lodi. The company can be reached at 209.365.6663 or CalResource@aol.com. To
As promised, here is some interesting information about Invitation Homes and the $500 million worth of single-family dwellings they own and are leasing here in Solano County.
According to public records, Invitation Homes owns close to 1,000 houses in the county and 80,000 others in America. Tricon owns a bunch here too and 36,000 nationwide, but for today I think my readers and my Realtor friends will appreciate some of this research I have done with some help from Kathy Fetters over at Old Republic Title on these Wall Street landlords.
Wall Street investors and billionaires took advantage of the Great Recession and jumped on opportunities from 2008 to 2012 buying huge pools of delinquent mortgages for 20 cents on the dollar and took on the delinquent loans for failed mortgage companies. Other big investors made bulk purchases of REO bankowned homes from lenders that chose to sell 200 to 300 homes at a time in bulk to a single buyer at 50 to 60% of the value rather than sell them off one at a time.
Blue Mountain, right here in Vacaville, became one of the largest flippers in the country and bought thousands of homes yearly for a few years at the trustee sales one at a time and in bulk, purchased REOs from exhausted lenders that just wanted the assets off the books. On Feb. 27, 2012, everything changed when Warren Buffet told his favorite reporter, Becky Quick with CNBC, that he would buy up a couple hundred thousand homes today if he could. Here are just a few examples of what has happened in our town since then.
On Nov. 22, 2013, Invitation Homes acquired 411 Marina Blvd. in Suisun City for $182,436 at a trustee sale. This home is available today for rent at $3,050 per month via Invitation Homes property management, and if they sold it today, they would get $550,000 from one of the many frustrated pre-approved first-time home buyers looking for a four-bedroom, two-bath, 1,800-square-foot home.
The house at 740 Castlewood Court in
Fairfield is also available to rent today at $3,425 per month. This was purchased July 19, 2012, for $209,000 at a foreclosure sale, and this is a four-bedroom, twobath, 1,800-square-foot home, too. It would sell in a heartbeat for $575,000 to a couple of seniors looking to move down to a one story on a cul-de-sac and sell their huge high-maintenance two-story home.
Interestingly, public records on this property does show a first mortgage recorded against the property for $500 million with Deutsche Bank recorded in December 2016. This is called a blanket deed of trust secured against a couple thousand homes.
There are many more of these for rent today but let me share just two more.
The home at 172 Randall Ave. in Vacaville, a 1,500-square-foot, threebedroom, two-bath, is available today at $2,860 per month. This beauty was bought Aug. 14, 2013 for $230,000 and it appears it was purchased directly from the owner before the distressed seller lost the home to foreclosure. On April 28, 2015, Chase recorded a lien against the house for $636 million to secure a commercial loan. This home would sell today after five days on the market for $550,000 with multiple offers.
Finally, on Aug. 24, 2021, Invitation Homes purchased 413 Rolling Oak Drive in Vacaville for $630,000 all cash with no contingencies. This Browns Valley home probably closed escrow in 15 days and beat out all the other families that needed to obtain a loan, including our veterans and active duty USAF buyers that wanted their little ones to be able to go to Browns Valley Elementary around the corner.
They would take a loss on this one today after vacancy, repairs and commissions. They are now asking $3,445 per month rent and after property taxes, insurance, property management, vacancy and maintenance they will net a positive cash flow of $1,900 per month, which is a rate
See Porter, Page 15
ABOVE: Most of the year Lemon Coral sedum gives unbeatable lime green foliage that tumbles like a lava flow over the rim of containers.
RIGHT: Then in April in the South, uncountable yellow flowers erupt into bloom signaling the official “spring” celebration can begin.
FAR RIGHT: Containers cluster together on the corner of The Garden Guy’s patio showing Dolce Appletini heuchera, Supertunia Vista Paradise petunia and a container of Lemon Coral sedum intermingled with Superbena Imperial Blue verbena and Supertunia Mini Vista Scarlet petunia.
It is lemon season in the South, and The Garden Guy couldn’t be happier. OK, it’s not an edible lemon, and although we are cele brating in the South, you will have your shot, too. I am talking about Lemon Coral sedum. This little succulent plant knows no end to the way it can be used in containers or the landscape. In December in Columbus, Georgia, containers look like there is a lime-green or chartreuse lava flow spilling over the rim of the container.
Botanically speaking, it is Sedum mexicanum, commonly called Mexican stonecrop. Although it is a succulent from
Mexico, it didn’t flinch at The Garden Guy’s house during the December arctic blast. You might be thinking “Yes, because you moved your containers to the garage for five days.” That would be true, but the uncovered patches I have in the ground had no problem whatsoever. Its cold hardiness range is 7-11, but anyone who has mixed containers or could use a small patch of glowing green in the flower border needs Lemon Coral sedum. As a point of reference, consider that it has won Perfect Score All Season at Penn State, Top Performer at University of Wisconsin, Top Performer at Michigan State University and
trophies in the South, too.
Lemon Coral sedum gets from 3 to 10 inches tall with a 14-inch spread. Humorously, Proven Winners describe the bloom time as “grown for foliage.” Maybe so in those Northern states where trophies were handed out, but in the perennial zones we celebrate and tiny yellow flowers that are so abundant we can’t count them.
Do you have those spots in the landscape where nothing can grow and you are considering rocks? Try Lemon Coral sedum. In fact, it can grow in your rocks. Put rocks down, then let Lemon Coral sedum cover them with lime! It’s drought-tolerant and tough as nails. No maintenance, except for those of us reveling in those glorious yellow blooms every April. After the bloom we cut it back and let it do its thing.
Lemon Coral sedum has the uncanny ability to steal the spotlight wherever it is growing. It is a plant that screams “Look at me!” I am growing it next to Superbells Pomegranate Punch calibrachoa with a least a hundred incredible blossoms. While you may gawk at the red, your eyes will be drawn to the tiny yellow blooms on the sedum.
I have pots in clusters or groups on the corners of my patio full of Supertunias and Superbenas in bloom, but it is the glowing lime and lemon of the little sedum that catches the eye. I’m not saying skip the Supers (by that I mean Supertunias, Superbenas and Superbells); just know the little sedum from Mexico will make them look all the more dazzling.
If you have Lemon Coral sedum in a basket or anywhere elevated, even a tall pot, you
See Winter, Page 13
From Page 11
will break a branch — or a bird will. When that branch hits the ground, it has found a new home: It will root. To me this is a miracle of horticulture; you can start your Lemon Coral sedum farm. As they say in Louisiana, it’s a lagniappe, an extra gift.
Spring planting is coming your way. When you design this year’s con-
tainers, by all means, add Lemon Coral sedum, that little Top Performer.
Norman Winter is a horticulturist, garden speaker and author of “Toughas-Nails Flowers for the South” and “Captivating Combinations: Color and Style in the Garden.” Follow him on Facebook @NormanWinterTheGardenGuy. He receives complimentary plants to review from the companies he covers.
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From Page 3
door-to-door solicitors to get a permit from the city and to display that permit. The city will tell you it’s a safety issue. I’d argue it’s a tax-revenue issue. But in any event, there is a law. But that law would only pertain to someone selling something (and by “something”
I mean something tangible, not a religious or political belief system.)
Of course, most of those
people standing on your doorstep don’t have a permit even if they are required to have one.
I suppose if a number of people on the block called the police about a person going door to door without a permit, and it’s a slow day at the station, an officer may be able to come out and confront the guy. But as far as enforcing the No Solicitation sign, there’s just no practical way to get it done.
However, things change when you answer the door and tell the person to get lost.
Once contact has been made and you’ve expressed your desire that the salesman leave
your property at once, their failure to do so now becomes a criminal act.
Well, it’s a tiny criminal act at best, but readily enforceable by the police as a trespass.
If you can get a cop there quickly enough, the police will be more than happy to escort the person from your property and could “trespass them,” meaning get their ID, etc., give them a written warning, and if they come back, they’d be subject to arrest.
But a trespass is unique to an individual, not an organization. If a company or church was continually bothering you at
home after you have told them to stop, you could go to court and get a civil restraining order against them.
Then, if they show up again, the police can book them for violating the court order.
But of course, that’s pretty extreme and would cost you a couple of bucks.
All of which just takes us back to the chained angry dog idea. Just remember that he needs a license, too.
Tim Jones is a real estate attorney in Fairfield. If you have any real estate questions you would like to have answered in
From Page 7
of return of 3.65% per year on their $630,000 investment. This seller was not in distress and had substantial equity, but the buyer made him an offer he couldn’t refuse.
I am pretty sure I own some Invitation Homes stock and honestly have nothing against them, but I do have some advice as a stockholder. Now would be a great time to sell some of these old houses and do some 1031 tax-deferred exchanges into some new profitable real estate investments. Take your huge profits on some of the ones you bought at the low from 2010 to 2014 because now you are only making a 3 to 4% net rate of return on the rents and the market values are likely to only increase 1 to 4% per year over the next five years.
Roofs will begin to leak, and tenants will continue to need repairs and improvements. Exchange your capital gains into some land and build some affordable housing or buy an entire new subdivision to rent out like we have seen done in Florida. It is now a seller’s market and I think your stockholders are not going to be satisfied with a 3 to 4% rate of return when they can get 4% in government bonds and not have to fix any toilets, deal with evictions and California politicians.
Get out now while you can and be sure to list the homes with local Realtors or sell the homes to your tenants and let them use local lenders!
Jim Porter, NMLS No. 276412, is the branch manager and senior loan adviser of Solano Mortgage, NMLS No. 1515497, a division of American Pacific Mortgage Corporation, NMLS No. 1850, licensed in California by the Department of Financial Protection and Innovation under the CRMLA / Equal Housing Opportunity. Jim can be reached at 707-449-4777.