I do have a third goal, but too much will happen by the time my second goal materializes that my third goal will likely change drastically.Also, I tend to find myself wanting to ask market-specific questions to agents/lenders/investors/contractors/etc. a lot.

In the winter the gas bill is a lot higher due to heating, but electric is lower.

The initial poster was pretty nasty and making a lot of inferences.

That is alot of money to put out.

Of course your other debts including student loans go into the mix to come up with your total debt to income but the income needed  is a lot smaller then a lot of borrowers in your situation tend to  think.  

I grew up in North Florida so I have a lot of family, friends and business contacts in that area.  

People are all looking for the quick buck because that is what a lot of gurus are teaching them.

There are alot of real estate strategy out there which will allow you to obtain a piece of property unconventionally. 

But I did learn alot.

I suppose something more turn-key could be a good option, but haven't come across many viable options there yet.Anyways, we still have a lot more to learn and still need to familiarize ourselves with the area/market, but just wanted to pop in to say hi!