Which means that as long as there are people who go to school/work there, and want to live in a place where they can walk to get a cup of coffee (even if it's at a gas station), there will be a solid rental market there.As far as Scranton/Wilkes-Barre, I would consider it a single area from the property management/development perspective (the larger property managers in the area cover it all), but they are distinctive submarkets as far as home prices, rents, and tenants.

Also not sure I grasp the last point of 'converting cash then using roth 401k to purchase, and not other way around' -- whats the distinction here? 

Not good or bad ... but an important practical distinction between markets people don't typically discuss.

Within East Oakland there are distinct areas like San Antonio, Fruitvale, Central East Oakland, etc.  

@Colleen Melillias Rajeev pointed out earlier an IRA and 401k while both considered qualified retirement accounts are two distinct plans.

Its very cool to see how far I have come with what I know alone and where I am headed with belonging to a very distinct group of family here on biggerpockets.Its like the best Ice Cream with birthday cake only difference is it ain't my birthday til Jan. 24- Aquarius.If I ever seem out of place then my own thoughts are conflicting my entire personality.

But note that there are two distinct issues with IRS Liens.The first issue is whether the PA Tax Sale actually divests the lien itself.

I do not want 3 distinct lines.

A key distinction to make here is the difference between 1) the legal entity and 2) "securitization" of such investments.  1) DSTs and TICs are legal ownership entity structures.  

Account Closed  Oregon and Nevada go one step further they make no distinction if the property is 1 to 4 regarless of purpose NMLS required.. that's why you will see all the HML in those states with NMLS licenses and why those that don't know any better come into those states thinking they can make non consumer purpose loans without licenses then get slapped with cease and desist and big fine.