The crash non-sense is just that, complete and utter nonsense.

I also didn't particularly like the feeling of what felt like the mighty hand of government suddenly having a complete and utter right to enter my property without my knowledge as they administered the program. 

We need a place that will chill our Wyoming bones in the winter months (most likely December - March).WATER: it could be a beach house (sunsets are a favorite) but would consider lakes, canals, or other bodies of water for canoes, paddle boards, swimming, sunsets, etc.WALK: It must be good for long walks with our dogs and friends.

Tenant's annual income must be below 80% AMINow number 2 is utterly absurd. 

Dear Tom.It utterly does not matter a hoot if the market is full of wholesalers.

All it takes is time.I ran across a fire-damaged property in my regular travels one day, found the owner and asked if he wanted to sell it, and to my utter shock he said “Yes.”

If you understand what happens with cash flow these deals will give you chills.

i would like to get to a point where I can buy distressed properties and rehab them to be as close to net zero as I can make them.I rehabbed some with a family member a few years ago and really found it to be dirty and utterly enjoyable :).

With $1M cash in hand that you don't need, I'd focus on defense vs offense.Index fund and chill

It is poorly placed and I reject it utterly.