Would like at least 3 solid comps to work with.My question is, is it good practice to use comps that are contingent or pending or should I stick solely with comps that have SOLD? 

Are you licensed by the state in the states you practice in?

@Hadar Orkibi personally I think every cycle is unique, not only in the reason for each stage's existence (for example Covid's influence, lending practices, etc.) but also for the recovery period.

Most general practice attorneys probably are not up to speed on these..

We are nearing 50 years old and have kids that'll be going to college in 5-10 years, so it's hard to commit to a 30 year plan that locks up funds without having someone to help crunch the numbers for us.

I wish I could have started buying in 2012 but unfortunately I was a broke college kid and did not know about real estate investing.Personally I still think Columbus is going to continue to explode - "Columbus’ population grew 1.1% in the second half of last year, which is faster than any other city in the U.S." 

None of the above works unless you take action and put it into practice.

Has anyone invested in college towns, Columbia, Missouri or Champaign, Illinois?

I know it will vary from region to region State the state and practice to practice, but what are the ballpark fees for doing such a transfer?

there are few things that you should know about DTI :- every conventional lender has different way of calculating DTI"This statement is actually technically not true, but in practice it seems to be.