You may be able to find 15% down but even that is VERY hard to get and with the changing lending climate could completely dry up.

Properly sized domestic HVAC systems are designed to maintain a 20 degree difference between the indoor and outdoor air, but even that has limits.With an OAT (Outdoor Air Temp) of 114, the lowest indoor temp one can reasonably expect is 94.One can reasonably expect climate change to have an impact on sizing guidelines going forward.My $0.02 ...

We are a humid climate and rot is also a factor. 

It also seems to be more common in some areas of the country more than others (due to much older construction in the region, higher exposure to harsher climates, older electrical and plumbing running through the home, etc.).

There is so much variance of tax rates, insurance rates, should the house have a basement, foundation issues, do I need a 1in copper water line or is pex better for the climate, etc.

But I'm more bullish on Detroit's population growth in the long-term (10-30 years) due to its climate change resilience, affordability, and (as you've stated) the growing number of companies moving into the area.Here are a few quick graphs I whipped up for anyone curious about the Detroit MSA.

while the suggestion of an all temp spa might make sense for your climate.

Finding a lender in 2nd position on an investment property is extremely difficult in todays climate.

There's only so much to learn from reading and in this real-estate climate, it would be really helpful for someone who has made some recent investments to afford me 15 minutes of their time. 15 minutes to chat about their journey, challenges, successes, and any lessons learned.Make no mistake.

-The insurance climate related to HOAs in Colorado has been worsening in the past few years due to the hail storms and wildfiresThe dues on the property were relatively low at $166/ month, but are now being increased to $329 / month.