Most members of the middle class are unwilling to take risk.

I am a 22 yr old realtor in San Marcos and am currently in the middle of switching realty groups...

Now there are deadbeats out there, around 20-25% of the population, and since only about 20% of population can get a new loan today, half the people in the middle need help.

I'd rather get started now on smaller deals and starting to build my cash flowing assets base that can potentially help me pay off my debt at a much more accelerated pace than sit around and wait for the next 10-15 years when I could retire my student loan debt without any additional income bump. 

I drove around my area in neighborhoods I know are middle class B-ish neighborhoods with high property values (good to know your target area!)

But banks are for-profit businesses first, middle, and last.

For the state last in the nation in education that is saying something.The only people who live in these areas are those born there with no vision to escape or some upper middle class folks looking to acquire acerage and rural areas.If your goal is to own a property to attract the worst tenants in a very small and undemanded area then this is a great property.I hope I am not being too vague in my opinion here.

Wall Street bankers are looking at low bonuses this year, hedge fund returns are flat and some buyers of high-end real estate from China, Russia and the Middle East are cutting back.

My property is the middle unit in a 5 unit townhouse building.  

I'm hesitant to start and then get frustrated during the middle of it.