If you're more focused on appreciation, Columbus will be a great option due to its growing population and favorable economic conditions. 

Look for markets with good population/economic growth.

Regardless of paper returns, as you noted, these are the homes located in areas that suffer first and the most in an economic downturn or other times of distress. 

I have many clients buying the older homes in North Phoenix near the north 101 as they are 20-30 years old, in need of updates, but also are poised for the long term growth from TSMC and other business/economic activity in the area. 

Nothing has changed or will change soon economically, so I have no idea how they are going to pay anyone back.

This way, you'll have access to liquidity without the headache of managing separate loans and fees.Predicted Refi Rates: While no one can predict rates with absolute certainty, the general consensus is that rates may stay lower or remain stable in the short term, barring any economic shifts.

He is enticing people into paying more than the minimum, it is no more complicated than that.Pay mortgage payment = 22 years of payments (in his summary)Pay mortgage + HELOC principal + HELOC interest = 9.6 years of payments (in him summary)There is nothing wrong with it, it is behavioral economics.  

That doesn’t happen without poor underwriting, I don’t care how many economic disadvantages they’ve had to endure.

I know plenty of folks who meet your definition of Ultra and they seem very happy to me and have loving families although they also have the same struggles with kids that every family in every economic strata has.

All he has to do is to not make it a "blanket" moritorium and make the tenants prove economic hardship through predetermined government standards and let us evict those taking advantage.