Not saying it doesn't happen, but its usually someone making over $120,000 per year paying of $50,000 in 16 months just by not taking 2 vacations and selling their BMW.Our household budget has been trimmed every way possible.

I recently purchased 2 rental properties in condominiums in Essex County, New Jersey.

High power bulbs require a large number of Amps (Watts = Volts x Amps, so Amps = Watts / Volts which implies in a 12V system that amps will be an order of magnitude larger than normal 120V household lighting), and to keep the voltage drop down thicker conductors are now needed.Nowadays LED bulbs can be purchased for outdoor lighting.

As a single person studio it gets less traffic than most households would see.Also, prefinished wood has (so they say) a much better finish on it.

When we are experiencing a rash of illegal dumping, I give garbage bags with a special color draw string to each household and ask them to use them for awhile.

The only household income was his derived from driving a truck.

We have no bills except the 2 mortgages and normal household bills.I don't have a lot of available cash to put down.

It was once 45%, later it changed 40%, and now it is 30% of the household's adjusted monthly income.

Is that the typical household in the area?

http://www.har.com/content/newsroomHighlights are:Single-family home sales fell 10.2 percent compared to October 2014, marking the fifth and steepest decline of 2015;Total property sales dropped 12.1 percent (7,026 units);Total dollar volume decreased 8.3 percent to $1.8 billion;At $271,648, the single-family home average price reached a record high for an October;At $205,000, the single-family home median price also achieved a record October high;Single-family homes months of inventory climbed to a 3.5-months supply versus 2.8 months a year earlier;Townhomes/condominium sales dropped 17.3 percent with the average price flat at $196,242 and the median price down 1.0 percent to $146,500;Leases of single-family homes rose 4.1 percent with rents remaining unchanged at $1,708;Leases of townhomes/condominiums jumped 12.4 percent with rents sliding 5.0 percent to $1,510.