The same question is analyzed every day by millions of businesses, investors, wealth managers, financial analysts, and corporate treasurers world wide.

You need to learn how to read a calendar.See this is the selective narrative that oh-so-many of us "normal" Americans are wide-awake noticing, and oh-so flippin exhausted of.  

Quote from @Brandon Croucier: Hi Kathy, at the end of the day the mortgage industry is so vast & wide it's essentially like trying to navigate the Sahara Desert.I highly recommend working with an experienced mortgage broker who knows the ins and outs of the industry to place you into the most competitive product for you.More times than not, people save money working with a small shop broker.Kathy,I wanted to revisit this to offer a a tad bit more and Brandon above is correct.

For example I am near old town alexandria and the businesses are 200 year old row homes and there is no place to put ramps to get in establishments and door openings are not wide enough, but that is because they also could never comply. 

Even the appreciation angle seems to stem directly from how amazing the weather is.

Tons of things, once you get an idea of your angle.

That’s part of what drove me toward the luxury angle, catering to a niche market that’s currently underserved.Your point about local demand alignment is spot-on.

. - that might be a situation where you would want to work with a contractor directly because you would have lots of different options with widely varying costs.

Quality and risk in Cleveland and Akron neighborhoods will vary widely.

Examine the bottom half from every angle - how much you can make, what else you can get for your money (don't worry about how much you make on these, they are time suck and the lower half of your portfolio)That's a good place to start.