@David Rodriguez  MTR is about location for health travelers and you also have a healthy  population of snowbirds in Phoenix. 

The main drivers1) Local Inventory2) 10 year treasury(macro)3) Personal Debt levels(macro)4) Real Unemployment(not the unemployment number but real white collar job loss ratio'd to part time jobs). 5) Industry proliferation(can't tell me a tech or finance hub moves like a health hub).To tell me #2 will derive from the same inputs as it did in Sep/Oct, I'm willing to bet it won't.

Cashflow may not be immediate but if you run your #s, you'll be able to see how long it'll take to cashflow and what kind of equity you can expect to build within your first few years of house-hacking.I began househacking in 2010 while working an NYC job (Health + Hospitals Corp., formerly HHC) earning a base salary and overtime pay that are nearly identical to what you posted here.

That is a health code violation.

The challenge for many of us seeking to replace our W2 income is coming into it with a serious financial deficit: bad or no credit, little or no savings (left after the crash, unemployment, divorce, health issues, etc. or any combination there of), sparse personal network, ...

We not only lost our hard-earned money but on top of everything, our health suffered, I had several sleepless nights due to the stress and anxiety that this horrible experience created for my wife and me.After the buy-back was completed, I approached Maverick to at least help us with our losses by requesting us to give back ~$6000.

It has caused problems not just with housing, but health care.

If you don't have the additional mental bandwidth, can't deal with stress in healthful way or do not have much time to commit atleast 14 months of focus then do not build.

By temporarily halting distributions, we can preserve capital, manage our resources more effectively, and invest in key areas that will drive future growth and profitability.In the interim, we are taking strategic steps to strengthen our financial health, including cost-reduction measures, revenue-generating initiatives, and debt restructuring options.

In the next 25 years the population of 400,000 will probably double due to the young having kids, bette health care, migration from poorer countries and Expats.