My primary focus was Upper Manhattan, Harlem specifically. 

Jorge, not sure about cost pf perc test.

I'm based in downtown Manhattan.

I own a condo in Manhattan with a value of 600,000 I owe240,000 in mortgages and am over 62, I've been readingabout Reverse mortgages and am overwhelmed, theysay that you can build a line of credit?

So, my house For Sale ten blocks away near Manhattan has dirt value of around $90K as a Residential lot.

I'm an IT professional at a law firm in midtown Manhattan, but want to start investing in real estate.

The property would 10 mins away to Manhattan. 

To name a few good ones: New Jersey Real Estate Investors Group - NJREIGroup(NJREIB) New Jersey Real Estate Investing and BeyondNJ Real Estate Earn & Learn (NJ REEL) Networking GroupNew Jersey Real Estate Investors Association (REIA)If you need help finding more, feel free to PM me.Also, there're more clubs in the nearby areas like: Rockland County NY and Manhattan and Nothern NJ in general.

@Darren Sager also hosts events in Manhattan.

MSA and therefore crossed of a few locations from my list that have significant sprawl, but would still meet the 500,000 person requirement if the full statistical area was includedMy result: 8 citiesSan Antonio, TexasFort Worth, TexasLas Vegas, NevadaCharlotte, North CarolinaPhoenix, ArizonaHouston, TexasJacksonville, FloridaPhiladelphia, PennsylvaniaStep 7: Going back to the generic beginner advice of investing close to home, I prioritized the East Coast cities that remained on my listMy results: 3 citiesPhiladelphia, PennsylvaniaJacksonville, FloridaCharlotte, North CarolinaStep 8: Leveraging the following two resources from a friend, I was able to cross Jacksonville off my list due to greatest distance from NYC of the three and highest risk of natural disaster, a combination that I did not want to deal withhttp://money.cnn.com/interactive/pf/real-estate/natural-disaster-risk-map/http://www.nytimes.com/interactive/2011/05/01/weekinreview/01safe.html?