So, about me: grew up in an immigrant household, first generation American, lived in Chicago my entire life.

The per capita income is ~24k and median household income is ~50k.

Average household income is $58k in LV.

@Andrew Freed growing up in a household where there seemed to be a lot of stress around money or a lack thereof. 

I agree with @Max Householder I would suspect a large portion of the population decline in St.

Text: "The 28/36 Rule states that a household should spend a maximum of 28% of its gross monthly income on total housing expenses and no more than 36% on total debt service, including housing and other debt such as car loans."

It's been on a tear for years and seems that many (at least close to the center) homes are well above general affordability for working households.

Household income ~$100k/yr. $40k in debt (2 cars and one credit card that I've convinced them to get a loan through their credit union in order to save nearly 20% on interest).

I have the following to offer a bank:$130k home that is paid off$25k cashMilitary Veteran$130k Gross household income w/ Income to Debt 1.5%$50k can borrow from Retirement834 credit scoreI'm really not interested(can be convinced) in moving and renting my place out or a HELOC but i'm just curious what an experienced investor would recommend a newbie with the current setup. 

(we're combining households)This house is large enough for all of us, meets our handicap requirements, and is really an Ideal home for us.