Quote from @Mike Sfera: anybody have opinion on Syracuse/Rochester? 

In my personal opinion, I think the return of 100% bonus (or at least expanding 179 a bit) is somewhat likely with the new administration, so it might be worth it to you to hold off on doing anything until things look a little bit more concrete.

Here’s our OPINION for the Metro Detroit market (use as a template for your target area!)

In my opinion, $90,000 is too little capital to invest in real estate within a retirement account plan.LTV's are lower when investing with a retirement account plan - Around 65%Meaning if you were to use $60,000 as a down payment, you would likely only buy a house around $70,000.$8,000 would likely go away in closing costs.

I'm not trying to time the market. ..just interested in people's opinions for me it was based on my experince I started in RE in 1975 and the 10 year cycle seemed to hold true right up to the GFC at least on the left coast..

In my opinion, the easiest path to investing in real estate is house hacking a 2-4 unit multi-family property.You have the right idea of getting around other like-minded investors. 

Here’s our OPINION for the Metro Detroit market (use as a template for your target area!)

@Chris B. thank you for your honest opinion we know it is near to immposible... if it was easy than everybody would do it :)

I would like to share here and get some opinions. 

@Huong LuuIn my opinion, presuming you need the money - it is better to cash-out refi the property.