Also regarding STR;   when you get to 3 people arriving, three people with questions, three cleaners and inquiries on top of that it is NOT passive income. 

Pex'd & PVC'd the whole place in 4 days.The the guys hired by the kids arrived to tear out the entire bathroom to the studs & these $10/hr guys swept most of the tear out debris through a hole in the flooring down into the rehabbed laundry, & onto the new tub, new dryer, new washer & HW tank???

We moved to Huntsville 6 years ago and have added 2 very nice single family investments to our portfolio since arriving here. 

I have a vacation rental that I have owned since the devastating real estate crash of 2009.

I have several cards - I have one dedicated to each property I own - but my favorite is the Barclaycard Arrival Plus MasterCard.  

I am 50 years old and lost all my retirement money in the crash.

MY reasoning is they have had their formative years in a low interest rate, low inflation period with a major real estate crash. 

I am a bit confused as to how this number of 4.5% was arrived as in year 1 it shows -25 and Year2 (-7) % and Year3 and 4 one cannot see here.How does one see for every year instead of just a couple of years which this calculator shows ?

Many people who did this before the crash ended up losing both homes because they could not cover the mortgages.

Given that it has been ~ 8-10 years after the last crash, does this imply  that this city has no good appreciation potential?