I don't know the Texas market, but everything comes down to your specific situation and your tolerance for risk/reward.If you want cash flow, then Baltimore is a great place, but you have to factor in the necessity of knowing the tenant-friendly laws and regulations.

I have given some thought to loan repayment plans, but figured if I moved forward with this (real estate), because of a necessity of keeping monthly income relatively low, I figured that at some I would become ineligible and I wouldn't qualify for it.

My credit is poor, I have closed credit cards debt that equal $11,580 (from when I made bad choices), however, I keep my current 3 credit cards with no balance and my only monthly debt is rent, food, and utilities and necessities ($1700).

California for example refrigerators are an amenity rather than a necessity.

There is a seemingly faint necessity to go to college at your age, especially thinking that you might not get anything from it.

Necessity... we lived there!

Cardone - while it's quite repetitive, there is something to be said for the message in the book, the underlying passion, and the emphasis and utmost necessity for massive action and personal accountability.

I did it for many years during my university days & then as a necessity as I accumulated seller financed properties during my early W-2 Job days. 

If they agree it's a necessity, begin ironing out the details and proceed accordingly.

Would most people benefit from a pet, sure that's why we have them but in my opinion they are not a medical necessity for most people and are widely abused.