Also, say the economy tanks or the interest rates are just really high after the reset, I can ride the storm out better I would think with a conventional loan since it would require lower payments than the conventional loan.

Alcohol has an inverse relationship with the economy.

You're going to want to find a QI large enough and with experience enough to have good economies of scale and to know what they're talking about. 

When learning about your areas, consider your "back yard" as a good place to start and then possibly move out from there when you gain a little experience or your success depends on it.Certain things will effect that like growth and the economy that is diverse. 

There are 4 options:  Base, Economy, Standard and Premium. 

Not until the economy is freed from socialized healthcare.

Jobs drive the economy. 

@Walter Correia, You're going to see a range based on service level, economies of scale and geography. 

It might have areas that will continue to do well and others that will go down in its popularity so I would tend to look in areas close to home and that area in high demand, has a diverse economy, population rise, and job growth, and talking to experienced Agents and get their opinions if I was looking at it long term. 

I really do not know much about California and I think there will always be good pockets of economy out there.