Milwaukee has culture, entertainment, great food, low traffic, two major sports teams (Bucks are best in the league currently),  freshwater, emerging tech startup community, a handful of fortune 500 companies, the DNC in 2020 AND you can buy a house for $100k. 

https://www.homedepot.com/p/Glacier-Bay-Shaila-30-5-in-W-Bath-Vanity-in-White-with-Cultured-Marble-Vanity-Top-in-White-with-White-Sink-PPSOFWHT30/205428781

You can usually get a good feel for their culture.  

The culture, growth and spirit of the city is coming back in full force and I'm so excited to see it happening.

I recommend doing some real research into the atmosphere and culture as well as the numbers before making a firm decision. 

@Rich Hupper, I have seen a number of the types of building you are describing used for smaller subs in the Midwest. the type of construction they have utilized is a steel pole barn style of building, which have come a long way aesthetically and can look pretty contemporary if that's the desired appearance.

Btw, I don't think it's a culture in AA only.

. - In your culture it is normal for younger people to live at home rent free with parents until married, so you've been living with your parents who own their house in San Jose, and in the meantime you've been buying rental properties in Oakland.- You purchased a primary residence in LA a couple years ago, but last month you moved in with your fiance (who does not charge you rent) in San Diego, and converted that old property to a rental.- Any of the above, plus you are (or may want to in the future) buying or refinancing either a rental property, or a multi-unit owner occupied property, and wish/need for that rental income to "count" to make DTI work.Here's the guideline, effective date December 7, 2019:I guarantee you that different lenders are going to interpret "what about if..." questions/scenarios differently.

@Jay Hinrichs if Portland has some of the most intense hoarder houses in the nation in your experience, what does that say about the culture of our city?

We are a nation of selfishness. understand the culture and take action.