I bought a single family with an unfinished basement and am in process of transforming it into a duplex.

Apparently, there had been others before me that had this same issue and there was an amendment to the flood zone map that was not being used by the lender.In a flood zone: Any Flood Zone beginning with A or V is considered IN a flood zone and would require flood insurance.Out of a flood zone: Zones B/X500 & C/X are considered OUT of a flood zone and do not require flood insurancehttps://msc.fema.gov/portal/search

I personally have used YNAB and it has transformed how I think about finances.

Quick cash may transform into ordinary income taxed at your W-2 rates.

If not I really love the idea of creating huge wealth by transforming a whole area.

I am not aware of any other city in america that has gone through a more positive transformation then Cleveland, simply booming.   

The other two...yeah, not so much.My point is, if you really have the right kid, he's going to be bright and motivated to succeed enough to see the value of what you're handing him, and it's going to be a transformative experience.For many of us here on this site, it was reading Rich Dad, Poor Dad that lit a fire under us.

https://www.wdrb.com/news/phase-one-of-million-bee...Change is a foot! Instead of being a leech of city resources this is going to become a fixture to our community!! 

Pretty unbelievable to see Philly mentioned amongst those cities but seeing the transformation of 19123 & 19125 over the past decade, it makes sense. 

1) Not true at all in my experience.2) 4+ could maybe be zoned R3 or R4, not Cx.