On the other hand, 3 years of adverse possession after the tax deed date will "cure" the void tax sale and foreclose the former owners' ability to dispute the sale.Technically, if the tax sale is not void, you can file your quiet title action 3 years after the auction (rather than 3 years after the tax deed), but only if you have exclusively possessed the property for that time period.  

An adverse possessor could satisfy all of the statutory requirements and later file a quiet title action to perfect title.

Adversity always creates opportunity. 

She was actually a fantastic investor, but very risk adverse, so built everything up debt free ... took longer, but her portfolio was/is solid as a rock.

If they hold interest rates we may continue to see the same in the near term but eventually demand will organically slow down and real estate prices will normalize.Nashville is unique because the area is growing naturally with positive net migration and job growth, but even our great city will be adversely impacted by the fed's decision.

I've always been pretty debt adverse, and like the idea of decreasing my mortgages even further, and waiting for a better time to jump in again. 

But I would do a little research and figure out what it costs to turn a property over (paint, flooring, cleaning, etc.) and go from there.I think most folks would say that's way too conservative, but I am fairly risk adverse.  

However you may be more risk adverse as you near retirement age and for good reason.First and for most I would make sure my personal finances are in order before starting to invest in real estate.

You are risk adverse and that is good, use that motivation to pay off your school loans when you graduate the Pharmacy program.

Filing separately can adversely impact the following tax benefits: In most cases you cannot claim the credit for Child and Dependent Care Expenses.You cannot claim the Earned Income Credit.You cannot claim any education credits.You cannot claim the adjustment for Student Loan Interest.You cannot claim the exemption for interest on EE bonds used for education.Your Child Tax Credit is half what it would be on a joint return.Your Capital Loss limit is cut in half.Your Saver's Credit is cut in half.You cannot claim passive losses on real estate rental property (if you still live with spouse)Your Alternative Minimum Tax Exemption is cut in half.Your standard deduction is cut in half.If your spouse itemizes you can't take the standard deduction at all.You expose more Social Security to being taxed.You cannot claim the adoption credit, and if you received adoption benefits from your employer they are now taxable.Not really a tax benefit, but if you file separately your tax preparer will charge you for preparing two returns.