How much work do you need to do to achieve 5% and at what risk level is it?

I'm living in San Diego, and starting out here with a family and one income at entry level is relatively killer.

I just got another AO yesterday, just before we are getting into early spring market.

Whatever your comfort level is, there is a place for you in any city.

Build a relationship with a mentor to get me to the next level. I

I'm not wrong when I speak of the value of equity, but your point regarding comfort level is also true. 

Education level is high there .

@Mike D'Arrigo  all the mid west is going to have the last laugh the next 100 years as much of the coastal areas are under water or burden with massive tax's to pay for levee systems.. that's more of a reality than the pending recession

That being said, do you typically buy flood insurance in the flood zone protected by the levee system?

When the seller of the business isn't willing to submit supporting documentation like banks statements showing claimed deposits and invoices supporting the expenses that the business would require to operate at that level, I walk away.About 7 years ago, I was going to buy a business that was a competitor to one I owned.