“Foreign direct investment (FDI) has been a vital ingredient in Alabama’s economic growth in recent years,” says Commerce.

Imagine baking a cake and having all of the ingredients, but not having the recipe.  

There are multiple ways to deal with the problem, but the easiest on this kind of floor is to mop the floor in an oxalic acid solution (oxalic acid is the key ingredient in Bar Keepers Friend but you can buy 100% crystals of it online through Amazon).

You need 2 ingredients: a homeowner who can't make their payments and a loan that is under water (house worth less than loan).

Without you having all of those ingredients you could be better off parking a small amount of equity with another firm, make your return and learn how the business is done. 

This part of Demographics is the missing ingredient in Economics studies.

I learned the hard lesson that confidence and passion are not the only essential ingredients in the making of a successful business.  

A 13 does change that but now you've thrown yet another ingredient in the soup from your original post.

The reason for 10+ years of equity is because the secret ingredient to high equity deals is TIME of ownership, which builds up property value while giving time for mtg pay down.

But, before doing so, ensure that you have the ingredients to be successful and it begins with getting REI educated.Don't get bogged down with analysis paralysis.