All else being equal, lower mortgage rates reduce the cost of ownership and, thereby, allow more people to afford to buy.

However I am not as savvy as many of the people on here.

It's mostly retired people or people who have no money.

They sell you a package to enter and then find you people to stay and never paid you back!

We net 10s of thousands of people from the Midwest states as well. 

With the cost of utilities and the level of comfort people feel is mandatory now there is no way I would want to be on the hook for it. 

Yes, you need a team, however you can't just assemble people together and call it a team. 

Sub to us a bigger deal than most people realize.

There's a reason why people refer to the founders of PayPal as the PayPal Mafia. 

Call around and talk to a few people I'm pretty sure you will find someone who will make the time for you who can tell you pretty much on the phone if you could qualify and ballpark for how much.