i fyour getting paid off when the vertical loan goes on.. then your in first position . so not sure what the issue is? 

Shorter term CD's actually have higher rates than longer term so staying in the 3-6 month range is best.  

I was the agent, so I recommend myself for all your southwestern IL investments.

I bought 2 new construction in Athens last summer and rented them right away... so far so good. 

Hmmm @Jonathan Snider, so what are they saying is "normal" for the interest rate?

Frisco might be the new downtown, so people living in Frisco probably go to Frisco for shopping or events. 

Quote from @Erica King: I like the concept of duplex and 4plex . so I could stay in one.

I am in Tampa Florida so the investment market is huge here for both as well. 

My husband & I really appreciated the bakery goods, not only because they were tasty but because they left the address for us so we could continue delighting in the offerings.

In Berlin, rental arbitrage has been very profitable, with average annual margins of 25-40% after all costs but before taxes, so shifting to a market where arbitrage is barely breaking even is definitely a reality check.Given your experience, would you say the best way to enter the market now is through purchasing properties with financing?