Being new I have to go through challenges along the way I look forward to going through them so I can pass down that knowledge to someone else Just a year ago today i was 25,000 in consumer debt and I became disciplined in spending and budgeting and payed it down in 6 months.

While you are cleaning up your mess educate yourself by consuming content on this site From experienced investors.  

I have no consumer debt, I have a 6 month emergency fund, I contribute 15% of my income to retirement and  monthly to my daughters 529 plan.

Also, how the real estate industry adapts to the potential changes in consumer demand.If anyone has any specific predictions for the Phoenix market, I know there are many investors and real estate professionals that would love to hear your thoughts, so please share.

Is there a way to track how much each unit consumes each month?

To answer your question on how you could lock in your first property this year, I would suggest that you try to consume as much information related to real estate as possible so you can begin to understand the concepts and learn how to speak the language of real estate.

Most people realize there is a moral duty to pay for the things you consume, including your housing, whether you are buying a house and paying the bank or renting a house and paying a landlord.

“Applicants may not be under forbearance or deferment on any mortgage or consumer loan (excluding student loans) and must certify that they do not intend to request a forbearance or deferment

FORECLOSURE MORATORIUM AND CONSUMER RIGHT TO REQUEST FORBEARANCE.

In the case of the S & L crisis of the 1980's, and in the case of today, the finance industry has been intertwined with numerous forces that shape the consumer landscape.