I have good steady income from my dayjob for last 5 yrs, FICO 760+ and significant cash reserves.

Plus...escape velocity...Episode 113 – Jay Papasan - Very practical slow and steady adviceEpisode 221 - Tim Shiner - his concept of equity build up and "shearing the sheep" shows some of the flexibility of real estate vs a 401k Last but not least, I also recommend all the tax advice given by my fellow CPAs on the BP Podcast.

Or, they will develop a box that just sits there and blasts out cold air into a house which will reduce the summer heat to a much more livable temperature.

Over the last month or so, I took the required 90-hour broker pre-licensing course online, passing the course and also the Indiana state exam just last week.My plan is to never quit my W2 job, as I have a good, steady income, insurance, 401k, profit sharing, etc.

An under market tenant may not be your biggest problem.I'd recommend easing into landlording and getting your systems in place rather than cleaning house and risking Holiday Season (and winter temperature) vacancies.

I want there to be steady work in the area.

I like the market because of its a large metropolitan city with a steady growth of population. 

The only reason I believe it has to expand is because the population has shown steady incline and it is the only way the can go. 

A lot of people up north have them but also have a back up supply for heat due to them not working well or efficiently when the temperatures get very cold. 

I thought it was pretty awesome that my landlord lives in Brazil, works a full-time job, and has a steady monthly cash flow from his rental units - that led me to discover BiggerPockets!