It is worth keeping in mind that the Fed controls the short-term rates, not the long term ones (now that they stopped buying long term treasuries and even then it was indirectly), which are much more influenced by the long-term expectations of inflation and the international flow of money (think, is there instability in Russia that causes Russians to pull out their money out of the country and invest it in the safe-heaven like US, is the unpredictable and shifting US policy going to keep the US dollar's status as the de facto world currency, etc).

Account Closed Most of my clients come from referral or my sphere of influence.....I get some from the moms' groups on Facebook.  

If the MHC is in an upwardly mobile (pun intended) sphere of influence they will invest in their homes by remodeling and upgrading or removing and replacing.

The "fortunate" (insert better word) news for investors in these deal sizes is that the same legal fee prisoner's dilemma influences the suit risk after things go sideways or south.  

As a bystander, you are limited in your ability to influence the outcome.

Your overall debt has nothing to do with this ratio, although it would influence other financial factors, such as your net worth.  

Well, I'd like to get opinions individual for this particular project with other peoples influence.

What looks great on paper does not always translate into reality, especially when you are remote and have little true influence.

(Political, government influence(taxes/fees), population/homes available)What about in 30-40years?

If you do not learn the local real estate laws, then you  will probably be influenced by others that just talk and are not looking out for your best interest.