Or do you think in 2 years my $200,000 down payment would've just been better in the stock market earning a historical average of 10% (With dividends reinvested, not adjusted for inflation).

Banks will be more likely to have an adjustable rate with a floor which could benefit you if the fed starts to reduce the rates.

Usually without any hesitation.However, be ready for the valuation to jump back up the following year as you will have to prove next year that the house is not worth what they will adjust the property value.  

I've heard the rumor of the high-speed railway connecting Victorville to Vegas in addition to the casino. 

I lived here my whole life and never even thought about wild fire risk.We do get pretty wild and random thunderstorms, hail, and some high wind speeds. 

I personally made some adjustments but overall it works well to analyze deals. - The weekly calls are consistent and offer great support to getting deals locked up.

Some other benefits are having a great airport, quick access to 2 cruise ports a high speed train to Miami and East or West coast beaches within an hour.

They raise prices $5 to $15 a night every year for the past 10 years and they are scared or ignorant (not a put down I really mean laxk of knowledge) to adjust prices with inflation, supply and demand.2.

.- I want a market adjusted return/yield.

So best thing to do is get you up to speed on the process and possibilities.