I know that's not your question, but your settlement plan is dragging out your credit score recovery. 

Recalling back to many of the nightmare stories guests have told on episodes of the podcast, you are certainly not alone and I believe you guys can make a successful recovery. wishing you and your father all the best.

But there are also cultural and or athletic organizations who  work with the youth.

Accelerated Cost Recovery Systems & Investment Tax Credit, section A & B.Prior to the Tax Reform Act Of 1986, high income earning professionals (doctors, lawyers, Sales professionals, and others) would invest in property to accelerate depreciation and lower their taxable W-2 income, to pay low to no taxes, while at the same time RE markets appreciate. 

You can't compare one phenomenal year in the stock market (34% won't happen every year, last year was a major recovery for the market) with average REI ROIs, you have to compare apples to apples.

We'll have to see though... both Lending Club and Prosper emerged during the economic recovery and there isn't good historical precedent for how they'll perform during harder times (unless you look at credit card paper, as you suggested).I use a service that automates loan selection, so it's a fully passive investment for me.

ALL.What I try to tell people on this forum is that if you buy properties in certain Cities/Localities, you can literally protect yourself from a downturn as the recovery from the previous peak is shortened compared to other cities.This is a chart that includes the WORST financial crisis since Great Depression.WE are not going to have that this time, I believe.Buying in NYC protects me against holding a property that will NEVER reach the previous peak and will most likely exceed the previous peak in a VERY short time.I'm actually like you, I'm risk adverse.

. -- Overall though, I think it will continue to be a strong market since the economy will suffer for the next few months and then we will be in full recovery after Spring. -- People need to work and not fall behind (same with small businesses) and that is what is about to happen if some kind of stimulus bill isn't passed soon (should have been passed 2 months ago).

And then smaller cities that don't have diversified economic drivers -- cities with a single major employer or that rely on a single major industry (like Detroit) often get hit harder than others.In terms of recovery, cities with population growth and diverse economies have historically recovered fastest.

Landlord’s recovery of damages, if any, is not limited to the amount of the security deposit.Move in Costs: $650 is due at time of move in ($300 rent + $50 utilities + $300 security deposit).Utilities to be Paid Monthly: Renter agrees to prepay utilities monthly on the first business day of each month, along with her rent.