The Federal Funds Rate is the interest rate at which banks can borrower ultra-short-term (overnight) funds from other institutions and government sponsored enterprises.

Paint colour, cabinets, counter, tile, flooring, locks, pulls, window coverings, toilets, sinks, faucets, ext colours, and on and on... yes, every property in unique, but that doesn’t mean you should be buying 1 farmhouse style, one ultra modern, one apartment condo, one townhouse etc and reinventing your system each time.

. 👍🏽 Ya I think condo is really the only way to go in Hawaii for anyone but the ultra rich.. 

@Caleb JohnsonSounds like you are investing in ultra low income, high crime areas.Nicer town, nicer place, more sane people

What I havn't heard in this post yet is what should be a central focus of NOT loosing any $, that's risk tolerance, it need be ultra low.

Real estate in the Bay is an ultra competitive sport.

The violet is just Rents.

There are a few exceptions (for example, our Paradise Valley market which is an ultra luxury pocket is still doing very well)I agree with your comments on comparing today to the 2008 crisis.

Husbands Dr ordered MRI and Xray and ultra sounds, and the $360 copays went on plastic and it dropped my TU by 77 points.  

You could go section 8 or you could go ultra luxury.