The world thinks a lot less of my probity than it does of yours.But your response does remind me greatly of the time I submitted a paper in a nursing class that pointed out the obvious fact that that Big Pharma has minimal direct financial incentives to direct their research budgets towards finding one-time cures and maximum direct financial incentives for putting money into finding ongoing treatments for chronic diseases.I got a D with a big circle around it and a denouncement by the nursing professor with the side job in Big Pharma for being so bold as to point out how math works.

The most visited city is probably Scottsdale, with a multitude of major yearly attractions all across town (Spring training, Phoenix open, Barrett Jackson, to name a few)Downtown Tempe is another good market, with a steady traveler pool because of Arizona State University (parents, students, relatives, visiting professors).

Qualify a Market: Job growth – at least 2 yrs. going upStable Job Market Net positive MigrationJob diversity – a lot of employers in different industrieshttps://www.neighborhoodscout.com/ http://www.city-data.com/https://www.wikipedia.org/ https://datausa.io/ - DataUSA put together by Deloitte, Datawheel, and Cesar Hidalgo, Professor at the MIT Media Lab – like BestPlaces.net but better.

It also does well near hospitals and universities, which tend to bring on temporary staff or relocate professors or doctors to the area.

I don't need more property or business anyway and I know you don't either.We'll let the unproven professors like @Andy D. reiterate and pontificate about the sophistication of carrying mortgage for the tax benefits.  

Professors, military officers, and some foreign business people fit into this category.B Class: Solid working class renters who are on the edge of being able to afford their own home.

Fortunately, the Mortgage Professor website is a great source of information.  

My business law professor at Florida State was actually on the committees that wrote the original legislation so he spent a lot of time on teaching about them.   

The answer is that it depends on a few factors:Type of loanHow long you've held the loanIf you've paid on timeHere are some good articles from The Mortgage Professor on this topic:Cancelling Private Mortgage Insurance (1)Cancelling Private Mortgage Insurance (2)This article contains the procedure for putting in a "qualified written request" with your servicer so you're not getting the run-around with people over the phone:Is There Recourse Against Bad Mortgage Servicing?

When you are knowledgeable about what you’re doing and have the confidence that comes with that knowledge, doom and gloom predictors will have very little effect on your investment strategy.As to the economics professor and his gloomy forecast about future opportunities, let me just say that he’s the kind of educator who can keep an entire graduating class working their buns off at Burger King.Good luck.Fixer Jay DeCima