• Banking – Cancelled checks and monthly account statements
• Contributions – Receipts, cancelled checks, correspondence, a log of contributions, and papers relating to gifts of property.
• Employment & Business Expenses – Paycheck stubs, W-2 forms, and documents relating to fringe benefits
• Individual Retirement – Documents needed to determine your tax when withdrawals are made at retirement
• Insurance – All policies
• Investments – All purchase and sales slips showing dates and basis of purchase
• North County Real Estate Investments – Closing Statements, rents received, any rental expenses. You will need to set up sub categories by address if you own several San Diego North County investment properties.
• Medical, Dental, and Hospital – Medical histories, examination and lab reports, prescriptions, hospital records, bills

Remember for tax purposes keep everything at least 3 years and up to six if possible.

If you purchased San Diego North County investment properties through me, I can help you get your closing information.

To get more info about San Diego North County real estate, contact Gary Harmon, your Real Living Realtor.

All content by Gary Harmon.

Some homeowners are anxious to put their equity to work, but are hesitant about owning North County investment properties.  Many believe it is difficult to find perfect tenants who will properly maintain their investment.  Finding the perfect tenant may be next to impossible, but finding a good tenant is certainly atainable.  You can choose to do it yourself or hire a Real Living Lifestyles agent.  If you decide to do it yourself, be prepared to:

• Advertise-Have flyers printed and distribute them to the surrounding neighborhoods.  Put them in the community center, at local colleges, and run lots of newspaper ads.  Be prepared for calls at all the wrong times.
• Applications-Have a good rental application and have prospective tenants complete them.
• Credit Checks- In finding the perfect tenant, alway run a credit check on any tenant before renting your San Diego investment property.
• Showing the house-Put signs in front of the San Diego rental and be prepared to take people through the home at their convience.
• Rental Agreement-A rental agreement is a legal document that must be filled out correctly.  Use a good form.

If all of this sounds a bit discouraging, contact Gary Harmon, your top North County Realtor, and he will help you navigate throught the rental process. 

Remember, owning San Diego North County investment properties is another way you can maximize the advantages of owning real estate.

 All content by Gary Harmon.

Before you jump in the car with me or any other North County Realtor, you need to weigh the pros and cons of buying and owning San Diego investment properties.  Buying or investing in a large project with professional management requires a large financial outlay.  Whereas, buying a San Diego single family homes or small North County investments properties require detailed effort in management and maintaining the properties.  Some of the pros of buying San Diego investment properties are as follows:

1. Housing is a basic necessity (everyone needs it)
2. In San Diego North County investment properties are usually easy to keep rented
3. Income is usually predictable
4. good resale prospect, especially on units
5. Investment properties provide a hedge against inflation
6. You can use leverage to build an estate
7. Enjoy pride of ownership

Son cons might be:

1. Investment properties are a service business
2. Management requirements
3. Complaints and problems
4. Maintenance

A buyer that understands what they are getting into will be in a good position to proceed with viewing San Diego North County investment properties possibilities.  This final step is where I come in, contact Gary Harmon, your Real Living Lifestyles Realtor.  The final result should be an investment that will prove rewarding.

All content by Gary Harmon.

The April 2012 HomeDex™ Report provides March 2012 San Diego housing statistics. Information in this report is used by permission from the North San Diego County Association of Realtors® (NSDCAR). Gary Harmon, your Real Living Lifestyles Realtor, has been a member of NSDCAR for over 22 years.

• The median price for all San Diego North County home sales – attached and detached – increased to $365,500 in March 2012 compared to $357,500 in February 2012.
• San Diego North County detached homes remained unchanged at $415,000 in March 2012. Year-over median price in San Diego North County dropped 7.81 percent compared to $450,165 in March 2011.
• The San Diego countywide median single family detached price increased 2.75 percent in March 2012 to $336,000 compared to $327,000 in February 2012.
• The number of North San Diego County single family detached listings (active and contingent) declined 2.4 percent in March 2012 compared to February 2012.
• The number of sold San Diego County SFD units increased 22.26 percent in March 2012 compared to February 2012 (after a 20.37 percent jump last month), and increased 3.35 percent year-over compared to March 2011. Year-over sold units have increased in nine of the last 10 months.
• Median days-on-market for single-family detached San Diego North County homes sold decreased to 57 days in March 2012 compared to 66 days in February 2012.

Content by Gary Harmon and North San Diego County Association of Realtors.

Showing properties 1 - 25 of 500+. See more city of Carlsbad real estate.
(all data current as of 5/18/2012)

1. $1,879,000 : 509 Stern Wy, Carlsbad
   
   5 beds, 3 full, 1 part baths

   Home size: 3,290 sq ft

   Year built: 2001

   Days on market: 1

   Walk Score®: 28
2. $870,000 : 6319 Di Vita Dr, Carlsbad
   
   4 beds, 4 full, 1 part baths

   Home size: 3,815 sq ft

   Year built: 2005

   Days on market: 1

   Walk Score®: 54
3. $779,000 : 6986 Bixbite Pl, Carlsbad
   
   4 beds, 4 full, 1 part baths

   Home size: 3,424 sq ft

   Year built: 2006

   Days on market: 1

   Walk Score®: 28
4. $949,900 : 2459 Unicornio St, Carlsbad
   
   5 beds, 3 full baths

   Home size: 4,052 sq ft

   Lot size: 12,515 sqft

   Year built: 1979

   Parking spots: 8

   Days on market: 1

   Walk Score®: 43
5. $724,900 : 8072 Avenida Secreto, Carlsbad
   
   4 beds, 4 full baths

   Home size: 3,377 sq ft

   Lot size: 10,690 sqft

   Year built: 2003

   Parking spots: 4

   Days on market: 1

   Walk Score®: 32
6. $519,000 : 944 Alyssum Rd, Carlsbad
   
   4 beds, 2 full, 1 part baths

   Home size: 2,104 sq ft

   Year built: 1986

   Parking spots: 4

   Days on market: 1

   Walk Score®: 52
7. $430,000 : 4615 Trieste Dr, Carlsbad
   
   4 beds, 2 full, 1 part baths

   Home size: 2,391 sq ft

   Lot size: 8,800 sqft

   Year built: 1976

   Parking spots: 4

   Days on market: 1

   Walk Score®: 29
8. $105,000 : 6550-36 Ponto Dr 36, Carlsbad
   
   2 beds, 2 full baths

   Home size: 960 sq ft

   Year built: 1974

   Days on market: 2

   Walk Score®: 29
9. $725,000 : 3721 Donna Ct, Carlsbad
   
   5 beds, 3 full, 1 part baths

   Home size: 3,013 sq ft

   Lot size: 7,733 sqft

   Year built: 2000

   Parking spots: 7

   Days on market: 2

   Walk Score®: 35
10. $549,990 : 3489 Corte Fortuna, Carlsbad
    
    3 beds, 3 full baths

    Home size: 1,896 sq ft

    Year built: 2012

    Days on market: 2
11. $399,000 : 4561 Essex Ct, Carlsbad
    
    3 beds, 2 full, 1 part baths

    Home size: 1,629 sq ft

    Year built: 1989

    Parking spots: 4

    Days on market: 2

    Walk Score®: 25
12. $269,000 : 4583 Lambeth Ct, Carlsbad
    
    2 beds, 2 full baths

    Home size: 1,201 sq ft

    Year built: 1988

    Parking spots: 8

    Days on market: 2

    Walk Score®: 34
13. $145,000 : 2344 Hosp Wy 328, Carlsbad
    
    2 beds, 2 full baths

    Home size: 944 sq ft

    Year built: 1975

    Parking spots: 2

    Days on market: 2

    Walk Score®: 83
14. $895,000 : 7231 Spoonbill Ln, Carlsbad
    
    3 beds, 3 full, 1 part baths

    Home size: 3,395 sq ft

    Year built: 1992

    Days on market: 3

    Walk Score®: 42
15. $645,900 : 3446 Glen Ave, Carlsbad
    
    4 beds, 4 full, 1 part baths

    Home size: 3,167 sq ft

    Lot size: 5,483 sqft

    Year built: 2012

    Days on market: 3

    Walk Score®: 15
16. $699,000 : 2555 Ingleton Ave, Carlsbad
    
    4 beds, 3 full, 1 part baths

    Home size: 3,272 sq ft

    Lot size: 5,917 sqft

    Year built: 2005

    Days on market: 3

    Walk Score®: 52
17. $659,000 : 1765 Skimmer Ct, Carlsbad
    
    4 beds, 3 full, 1 part baths

    Home size: 3,298 sq ft

    Year built: 2001

    Days on market: 3

    Walk Score®: 58
18. $245,000 : 2903 Rancho Posta, Carlsbad
    
    3 beds, 2 full baths

    Home size: 1,140 sq ft

    Year built: 2002

    Parking spots: 2

    Days on market: 3

    Walk Score®: 43
19. $359,900 : 1973 Swallow Ln, Carlsbad
    
    2 beds, 2 full baths

    Home size: 1,162 sq ft

    Year built: 1982

    Parking spots: 2

    Days on market: 4

    Walk Score®: 69
20. $759,000 : 7939 Sitio Granado, Carlsbad
    
    4 beds, 3 full, 1 part baths

    Home size: 2,797 sq ft

    Year built: 2000

    Days on market: 4

    Walk Score®: 52
21. $4,750,000 : 2497 Ocean St, Carlsbad
    
    3 beds, 4 full, 1 part baths

    Home size: 4,892 sq ft

    Year built: 2009

    Parking spots: 5

    Days on market: 4

    Walk Score®: 74
22. $1,275,000 : 6925 SITIO CORDERO, Carlsbad
    
    4 beds, 4 full, 1 part baths

    Home size: 3,729 sq ft

    Year built: 2007

    Parking spots: 6

    Days on market: 4

    Walk Score®: 26
23. $749,900 : 1029 Iris Ct, Carlsbad
    
    3 beds, 2 full baths

    Home size: 1,685 sq ft

    Lot size: 14,600 sqft

    Year built: 1977

    Parking spots: 4

    Days on market: 4

    Walk Score®: 25
24. $805,000 : 3445 Camino Largo, Carlsbad
    
    4 beds, 3 full baths

    Home size: 3,125 sq ft

    Lot size: 8,847 sqft

    Year built: 1998

    Parking spots: 6

    Days on market: 4

    Walk Score®: 17
25. $975,000 : 7080 Sitio Caliente, Carlsbad
    
    4 beds, 4 full, 1 part baths

    Home size: 3,563 sq ft

    Year built: 2011

    Parking spots: 5

    Days on market: 4

    Walk Score®: 26

Listing information deemed reliable but not guaranteed. Read full disclaimer.

There is a 27,000 square foot club house facility that has a fully equipped Nautilus exercise room and a fully stocked library.  Don’t see a book you like, just ask and they probably will order it. You’ll enjoy a large auditorium for special events, performances, celebrations and holidays.  The autorium can also be used for foreign films and other movies. 

In Ocean Hills for socializing, there are studios and clubs that let you enjoy cards, computers, billiards, dancing, and music…just to name a few.  The computer club impresses me in that it offers both Apple and PC equipment, all with great displays.  Practically anything and everything else you can think of for relaxation and fun is within reach.  On the premises there is also a fully equipped wood shop for your wood working hobbies.  All this to enjoy with your neighbors and friends.  

For more information about Ocean Hills real estate, contact Gary Harmon, your top Ocean Hills buyers agent. 

All content by Gary Harmon.

See current listings of Ocean Hills homes below.

Showing properties 1 - 1 of 1. See more Ocean Hills 55+ tract real estate.
(all data current as of 5/18/2012)

1. $419,000 : 4708 Barcelona Wy, Oceanside
   
   2 beds, 2 full, 1 part baths

   Home size: 1,899 sq ft

   Year built: 1984

   Parking spots: 4

   Days on market: 10

   Walk Score®: 17

Listing information deemed reliable but not guaranteed. Read full disclaimer.

Rules for Guest

If you bring a guest to play golf at the Ocean Hills Golf Course, you must register them and pick up a golf guest pass at the front desk in the clubhouse.  You must always accompany your guest while they are playing golf at Ocean Hills.  No specttors, pedestrains, children under fourteen, or pets are allowed on the Ocean Hills Course or practic area at anytime.

For more information about Ocean Hills real estate, contact Gary Harmon. 

All content by Gary Harmon.

Showing properties 1 - 14 of 14. See more Ocean Hills Country Club tract real estate.
(all data current as of 5/18/2012)

1. $399,000 : 4869 Demeter Wy, Oceanside
   
   2 beds, 2 full baths

   Home size: 1,613 sq ft

   Year built: 1997

   Parking spots: 4

   Days on market: 10

   Walk Score®: 20
2. $595,000 : 4165 Pindar Wy, Oceanside
   
   3 beds, 3 full, 1 part baths

   Home size: 2,808 sq ft

   Year built: 1990

   Days on market: 11

   Walk Score®: 20
3. $429,900 : 4661 Majorca Wy, Oceanside
   
   2 beds, 2 full baths

   Home size: 1,800 sq ft

   Lot size: 4,904 sqft

   Year built: 1984

   Parking spots: 2

   Days on market: 29

   Walk Score®: 20
4. $419,900 : 4121 Arcadia Wy, Oceanside
   
   2 beds, 2 full baths

   Home size: 1,106 sq ft

   Year built: 1985

   Parking spots: 2

   Days on market: 30

   Walk Score®: 9
5. $559,000 : 4145 Pindar Wy, Oceanside
   
   3 beds, 3 full, 1 part baths

   Home size: 2,630 sq ft

   Year built: 1989

   Days on market: 51

   Walk Score®: 20
6. $499,900 : 6032 Dassia Wy, Oceanside
   
   2 beds, 2 full, 1 part baths

   Home size: 1,982 sq ft

   Year built: 1997

   Days on market: 62

   Walk Score®: 42
7. $325,000 : 4042 Lemnos Wy, Oceanside
   
   2 beds, 2 full baths

   Home size: 1,106 sq ft

   Lot size: 4,000 sqft

   Year built: 1985

   Parking spots: 2

   Days on market: 63

   Walk Score®: 15
8. $425,000 : 4603 Zamora Wy, Oceanside
   
   2 beds, 2 full baths

   Home size: 1,768 sq ft

   Lot size: 4,000 sqft

   Year built: 1984

   Parking spots: 2

   Days on market: 70

   Walk Score®: 28
9. $329,000 : 4682 Barcelona Wy, Oceanside
   
   2 beds, 2 full baths

   Home size: 1,800 sq ft

   Year built: 1984

   Parking spots: 2

   Days on market: 74

   Walk Score®: 22
10. $340,000 : 4771 Agora Wy, Oceanside
    
    2 beds, 2 full baths

    Home size: 1,444 sq ft

    Year built: 1986

    Parking spots: 2

    Days on market: 134

    Walk Score®: 14
11. $425,000 : 4722 Galicia Wy, Oceanside
    
    2 beds, 2 full baths

    Home size: 1,856 sq ft

    Lot size: 5,200 sqft

    Year built: 1984

    Parking spots: 2

    Days on market: 260

    Walk Score®: 14
12. $469,900 : 6023 Dassia Wy, Oceanside
    
    2 beds, 2 full, 1 part baths

    Home size: 1,982 sq ft

    Year built: 1998

    Days on market: 266

    Walk Score®: 31
13. $348,900 : 4951 Lamia Wy, Oceanside
    
    3 beds, 3 full baths

    Home size: 1,850 sq ft

    Lot size: 6,175 sqft

    Year built: 1993

    Days on market: 295

    Walk Score®: 18
14. $345,000 : 5090 Corinthia Wy, Oceanside
    
    2 beds, 2 full baths

    Home size: 1,807 sq ft

    Year built: 1987

    Parking spots: 2

    Days on market: 309

    Walk Score®: 34

Listing information deemed reliable but not guaranteed. Read full disclaimer.

How do select an san diego home inspector to do your North County home inspection?  Chance are you will ask your North County Realtor.  Your Realtor wants to help and would just love to tell exactally who he would recommend, but this creates a huge liability for your Realtor.  Your Realtor might tell you to just look in the yellow pages or online so you can select your own inspector.   This has caused clients to feel slighted by an agent’s lack of knowledge. “What do you mean you don’t know anyone, isn’t that what you’re supposed to do?”  Courts are also unsympathetic to this philosophy; most feel a Realtor does have responsibility to provide direction to their clients.

Other times your North County Realtor might think it is more prudent to refer only licensed contractors.   A California state contractor’s license indicates basic knowledge of construction or experience in a trade specialty.  However, it does not indicate any knowledge of North County home inspection issues.  Specialized knowledge is necessary to provide a thorough and diligent home inspection.  A contractor’s license also provides a false sense of security that a consumer has some form of recourse against a contractor for a poor inspection.  The Contractors State License Board will not investigate complaints, or take disciplinary action against a contractor for the performance of a home inspection.

My last company suggest that we just refer three companies and let our clients pick.  This only works if your San Diego Realtor has done his own due diligence on the three inspection companies.  There was an arbitration case a few years ago involving a prominent brokerage in the Los Angeles area in which the agent got three brochures from the many stands in the office, gave them to their client and instructed them to choose one.  The inspection failed to report significant conditions within the property.  In cross-examination of the agent, they were asked, “What steps did you take to qualify the three companies you provided to your client?”  The response was “I heard they were good.”  Given that the agent did little or no investigation of the three companies, the arbitrator ruled in favor of the plaintiff.  Gary Harmon will never refer you to anyone that he has not used before.

When you are buying a San Diego North County home, you can trust Gary Harmon to help you select a tried and true home inspector.  Contact Gary Harmon now and find your dream home today.
This website is the best way to see all current real estate listings of San Diego North County homes, San Diego North County houses, San Diego North County real estate, San Diego North County property, San Diego North County properties, or other San Diego North County listings. Ues it for San Diego North County home searches or to search homes in any part of San Diego North County.    All content by Gary Harmon.

Showing properties 1 - 20 of 200. See more city of San Marcos real estate.
(all data current as of 5/18/2012)

1. $799,000 : 1569 Brighton Glen Rd, San Marcos
   
   4 beds, 4 full, 1 part baths

   Home size: 4,603 sq ft

   Year built: 2004

   Parking spots: 4

   Days on market: 1

   Walk Score®: 15
2. $839,000 : 1407 Schoolhouse Wy, San Marcos
   
   4 beds, 2 full, 1 part baths

   Home size: 3,604 sq ft

   Lot size: 11,449 sqft

   Year built: 2002

   Parking spots: 6

   Days on market: 1

   Walk Score®: 25
3. $589,000 : 1462 Rivercrest Rd, San Marcos
   
   4 beds, 3 full baths

   Home size: 3,059 sq ft

   Lot size: 8,832 sqft

   Year built: 2002

   Days on market: 1

   Walk Score®: 48
4. $549,990 : 568 Rush Dr, San Marcos
   
   4 beds, 2 full, 1 part baths

   Home size: 3,000 sq ft

   Lot size: 7,900 sqft

   Year built: 2002

   Days on market: 1

   Walk Score®: 52
5. $545,000 : 1288 Holmgrove Dr, San Marcos
   
   4 beds, 3 full, 1 part baths

   Home size: 3,511 sq ft

   Year built: 2008

   Days on market: 1

   Walk Score®: 12
6. $429,000 : 228 Muirfield Wy, San Marcos
   
   4 beds, 2 full, 1 part baths

   Home size: 1,902 sq ft

   Year built: 1995

   Days on market: 1

   Walk Score®: 22
7. $539,000 : 538 Echo Ln, San Marcos
   
   4 beds, 3 full baths

   Home size: 2,724 sq ft

   Lot size: 8,629 sqft

   Year built: 2001

   Days on market: 3

   Walk Score®: 25
8. $594,990 : 905 Terraza Mar, San Marcos
   
   4 beds, 3 full baths

   Home size: 2,721 sq ft

   Lot size: 6,872 sqft

   Year built: 2012

   Days on market: 5
9. $489,000 : 1218 Rue Saint Martin, San Marcos
   
   2 beds, 2 full baths

   Home size: 1,542 sq ft

   Year built: 1988

   Parking spots: 2

   Days on market: 6

   Walk Score®: 20
10. $689,900 : 1760 Burbury Wy, San Marcos
    
    4 beds, 3 full, 1 part baths

    Home size: 3,090 sq ft

    Year built: 2007

    Parking spots: 6

    Days on market: 7

    Walk Score®: 20
11. $577,900 : 1767 Burbury Wy, San Marcos
    
    3 beds, 3 full baths

    Home size: 2,412 sq ft

    Year built: 2012

    Days on market: 8

    Walk Score®: 34
12. $675,000 : 1817 Sheridan Wy, San Marcos
    
    4 beds, 3 full, 1 part baths

    Home size: 3,533 sq ft

    Year built: 2008

    Parking spots: 5

    Days on market: 8

    Walk Score®: 17
13. $359,000 : 2093 SILVERADO St, San Marcos
    
    3 beds, 2 full baths

    Home size: 1,725 sq ft

    Year built: 2006

    Parking spots: 2

    Days on market: 8

    Walk Score®: 42
14. $395,000 : 28525 Huckleberry Ln ., San Marcos
    
    3 beds, 2 full baths

    Home size: 797 sq ft

    Lot size: 15.06 ac

    Year built: 1973

    Parking spots: 4

    Days on market: 9

    Walk Score®: 0
15. $379,000 : 2163 Silverado St, San Marcos
    
    3 beds, 2 full baths

    Home size: 1,625 sq ft

    Year built: 2005

    Parking spots: 2

    Days on market: 10

    Walk Score®: 42
16. $575,990 : 906 Terraza Mar, San Marcos
    
    5 beds, 3 full baths

    Home size: 2,513 sq ft

    Lot size: 8,150 sqft

    Year built: 2012

    Days on market: 10
17. $389,900 : 615 Edgewater Dr, San Marcos
    
    4 beds, 3 full baths

    Home size: 3,072 sq ft

    Year built: 2004

    Parking spots: 6

    Days on market: 10

    Walk Score®: 45
18. $370,000 : 1325 Avenida Pantera, San Marcos
    
    4 beds, 2 full, 1 part baths

    Home size: 2,105 sq ft

    Year built: 2002

    Days on market: 10

    Walk Score®: 18
19. $310,000 : 652 Hillhaven Dr, San Marcos
    
    3 beds, 2 full, 1 part baths

    Home size: 1,510 sq ft

    Lot size: 4,094 sqft

    Year built: 1997

    Days on market: 10

    Walk Score®: 57
20. $301,990 : 2431 Sentinel Ln, San Marcos
    
    3 beds, 2 full, 1 part baths

    Home size: 1,419 sq ft

    Year built: 2012

    Parking spots: 2

    Days on market: 10

Listing information deemed reliable but not guaranteed. Read full disclaimer.

If you are interested in finding  San Diego foreclosure homes or other distressed properties, contact Gary Harmon, your top North County Realtor.   See up to the minute San Diego North County homes market statistics here.

Ever wonder which lenders made the most bad loans, see San Diego Short Sale Lenders.

Content by Gary Harmon.

The San Diego North County housing market may still be struggling to gain solid footing—low interest rates and significantly-discounted prices make it a great time to purchase North County homes.  San Diego housing prices are still below their peak in 2006, and another wave of foreclosed properties is expected to hit the North County housing market this year as banks unload their backlog—offering homes at low prices.  Currently there is a shortage of North County homes to sell, partially because lenders are still holding inventory.

Vice president of Realty Trac, Daren Blomquist, says “Home prices will continue to be very fragile.” “We don’t expect prices to fall another 20% to 30%, but there won’t be a recovery until the distressed inventory has cleared.”  RealtyTrac estimates that home prices will start to increase once banks clear their 17-month inventory of foreclosed properties. The national average of prices for foreclosed (real estate owned or bank-owned) properties at $152,465 continues to be lower than the sales price for all properties (including foreclosure and non-foreclosure) at $203,779, according to RealtyTrac.

While some housing markets Nationally, started to recover, home prices started to fall again in all markets last quarter, according to Standard & Poor’s Indices. “On a nominal basis, housing prices are the same as those in 2002 and 2003, having declined from their peak in 2006 due to the high number of foreclosures.”

According to the National Association of Realtors, all cash sales accounted for 33% of real estate sales in February. “In February, 20% of closed sales were of foreclosures– they’ve been at comparable levels for some time,” says Walter Molony, senior public affairs specialist at the National Association of Realtors. “There’s competition in most market areas between cash investors and first-time buyers, with reports of multiple bidding on discounted foreclosures becoming more common.”

Nevada, California, and Arizona experienced the highest number of foreclosure filings at the end of February, according to RealtyTrac. They had between two and three times more than the nation, as one in every 637 homes in the nation, or 0.16% of homes, received a foreclosure filing, a notice that the foreclosure process will begin. The number of foreclosure filings in a state can translate to that state having the highest percentage of foreclosure sales, as Nevada had 56%, California had 43%, and Georgia had 39% of all sales being foreclosed homes during the fourth quarter of 2011, according to RealtyTrac.

Ever wonder which lenders made the most bad loans, see San Diego Short Sale Lenders.

Content by Gary Harmon, Realty Trac, NAR, etc.