Rich it sounds like the leverage of your portfolio is quite reasonable and that you have other factors that come into play because of the diversity of location, perhaps types of property, area demographics, etc.

Real estate investing brings out a very diverse group of people doesn't it?

This is the most diverse area of town.

Diverse interests at the moment:)Investment funds, analysis, commercial retail development.Opposite side would be residential brokerage.

Indy has a nice Jazz scene, some good universities, diversity, and other benefits.

IOW he has resorted to the age old tactic of personal attack and diversion.

I think carrying small balances increases your score some and having "credit diversity" seems to help too.

One point not often considered involves the MANY and DIVERSE risks inherent in holding real property, even for a short time.Generally speaking, if you buy a stock you can only lose the amount of money you invest.

Being a member of a few other (non real estate) forums, I realize the value of being involved in a diverse group like this.

But if you have any size of a diverse portfolio, over a period of time, you will see expenses around the 50% range, just like the link shows that Bryan posted.