Once your emergency account has a reasonable amount in it, whatever that means to you, you might want to think about steering that payroll money into the investment savings account from each pay check and leave the emergency account money as is.

@Kyle Knudsen, There's a couple reasons why this wont work unfortunately.1.

.- Gated community and in a reasonable HOA. - The home is 2 payments behind and already got a letter from the lender about future foreclose.

2) I bet you could draw that same or even more extreme graph for new car prices.

I’m not sure you can reasonably expect that you are going to recoup 70%-100% of the heat/AC costs.

A lot of my out of state clients from California love Columbus for this exact reason!

My PM asks for ID as step #1 for these reasons. 

People going to the university for whatever reason? 

For similar reasons you mentioned with access to both I70 and I90 pretty easily as well as being in range for the eastern sea board makes it a logistics hub.  

I'm looking at monthly cost to seller vs. anticipated rental income, purchase price relevant to the ARV of the area and interest rate, balloon, etc.