As folks are telling you it is hard to say since it all depends on what you need to do.

And don’t hesitate to tap into local investor groups or meetups; you’ll pick up tons of wisdom from folks who’ve been in your shoes.

If these folks owned their own home prior, I would probably take that as them having better credit at that time even without a credit report to support it. 

As for the point before you're first-- yes most folks think it's institution driving up these prices.

Hey Folks!

I'm sure there are great, stable areas in Columbus but I'm not convinced the appreciation has been as strong as most would lead you to believe.I don't know much about Cincinnati, but one glance at the median list price over the past 5 years (attached below) would be enough for me to write it off as not appreciating.I'm personally partial to Detroit and that's where I invest and do a lot of business with other folks as well.

Hi folks,My wife and I are looking to purchase a vacation cabin in Packwood not for use as an Airbnb. 

I don't disagree that it is a good tool for someone just starting.Now, should folks be using such tools in the first place?

Obviously, it is hard to find that person in any particular market but folks are out here.  

Meaning the folks sitting at sub 25%, probably 20% DTI with cash still on hand to buy properties but choose to leverage.