Ukrainian Self Reliance Federal Credit Union also has a good rate/term program.

The problem with reliance on the general private offering is that you have no idea as to whether the SEC will agree that you have met the requirements for an exempt general private offering because no guidelines have ever been published.

If they limit the use to single family homes why should your neighbor, who bought his/her property in reliance on the CC&Rs, be force to live next to an apartment building when (s)he doesn't want to?

I don't know if there is a unified theory as to why Detroit ended up where it is now, but I would say it's a combination of (1) over-reliance on a single industry; (2) some epic battles between that single industry and the union; (3) emergence of the automobile industries in countries like Japan; and (4) terrible race relations.  

@Phil KilmerCARPOA meets first Thursday at Camp Hill Giant 2nd floor at 7pm, but Dec mtg is holiday party not at Giant.York REIA meets 2nd Thursday of ODD numbered months, but not Sept. at Reliance Fire Co.

Basically two opposite emotions - FEAR and GREEDLong term successful investing requires one or more of three things1- understanding, knowledge and ability to weigh risks, rewards and eliminate fear and greed as a driving force2- if unable to do above, then reliance on an honest investment advisor who is capable of aboveor 3- blind dumb luck.  

Our reliance on technology makes us forget that all this data is coming from humans who often make mistakes.

They moved out and ended up renting separate houses due to changes in their personal circumstances (boyfriends, etc.)I suspect the folks from SmartAsset also don’t take into account people who sell their home and have cash for a larger DP to reduce the amount of money they have to borrow, ie, to reduce the reliance on the size of their income in relation to price they are paying.

Has anyone been in a similar position with very little income from work and so much reliance on rental income?

The goal is to reduce your reliance on your W2, not increase it.