Housing has always been super affordable there, and new construction has increased in recent years.

I did that out of necessity with my first 2 houses and was able to buy in a nicer neighborhood than I could actually afford because they weren't updated. 

From my experience, you can use that savings to house hack with an FHA loan, invest in a turnkey property in a more affordable market, or even partner with others to expand your purchasing power.

It’s just more than I can afford, and I don’t want to offend you with a low offer.”

When I see good deals I tend to jump in vs. waiting for this option but I still think this is the best option if you can afford to wait.2) Take out a loan from my 401K. 

I can't really afford to pay two mortgages.

Not the cheapest 25% or the most expensive 25% but I’m the middle, where people want to and can afford to live. 

Detroit stands out because of its affordability, strong rent-to-price ratios, and a market that’s seen steady appreciation over the last several years.

I'd target areas near colleges or transit hubs for affordable properties, and I’d look into financing options like FHA loans or creative financing to make the most of my capital.

Would you forecast that there will be some big discounts on these in a few years as people realize that they cant afford to hold onto themthank you!