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.

The only household income was his derived from driving a truck.

How many people in your household (adults and children)4.

You want to include ALL household utilities.

If the pool equipment (pumps, filters, chlorinators etc etc) is old it can turn into a huge money pit.