My first real estate goal after graduating is to buy a small multifamily, at least 4 units. 5 would be better, to avoid the "homeowner" lending environment.

It has a lot to do with the business-friendly environment and low living expenses.

If you're like me, you're probably pretty thankful growing up and working in that environment, because you get a hell of a headstart.

After speaking to City of Rochester rep Liz and Jennifer; they state:* All Inclusive Service (Trash container, Recycle container, Bag on Side, Couch, etc) with out notice or additional charge.* Do not have a service agreement which does not tie you into any length of time. * Rates with them have been stable over last 6 years.

Environment, upbringing, assets, socioeconomic status, having stake on the line (career, assets, security deposit, something) affect these things.

This was on a busy street and a traffic light was installed at this time, with the light being about 15 feet from the front door, not an ideal environment for a rental.

Are any of you still profitably flipping in today's market environment.

There is growing literature where the environment in a home, post smoker(s) is examined and which is finding that the nicotine and other toxins, when painted over, eventually make their way to the surface again.

Let's all work towards success in a challenging environment.

To be eligible for inclusion into the mortgage, the energy efficient improvements must be "cost effective," i.e., the total cost of the improvements (including maintenance costs) must be less than the total present value of the energy saved over the useful life of the improvements.