Hi John, here's a gentrification heatmap I made for Cleveland using data on amenities in different areas, and also looking at things like population growth, % of college grads, median household income etc. 

@Max Householder Thanks for the kind words.

Yes Port Jervis looks like its starting to see a change with new restaurants etc happening in the city.I recently saw some condos for sale in Port Jervis I believe in the Silk Mill condominium complex.

These are painful, but they help save some household operating costs.

Also I’m not seeing HOA on a lot of the places which is surprising to me Here are a few things to consider with non warrantable condos (which is 99% of condos in Destin that are STR)A non-warrantable condo is a condominium complex that does not meet the guidelines set by government-backed mortgage companies such as Fannie Mae and Freddie Mac.

Cary is one of the highest average household income areas in our market.

Hi Marian,Here are some thoughts:- you can use CC's, unsecured card's, or credit cards but utilizing these will also drop your ficos steeply so it might be counter productive if you plan to do a cash out refinance on your ADU to pay back your cards later on when you go to apply for a loan- if you can get a title release on your ADU lot (some states/cities) can condominiumize your ADU into fee simple property then you can borrow / leverage against your ADU since its free and clear.

Yep, need a larger portfolio (and to add value and/or purchase properties that will have organic appreciation).Making $120k annual household income would put you in the top 13% of households in the country. 

I currently have one condominium under a self directed IRA and my property manager is great.

It doesn't guarantee their income is sufficient, but what I've found being in this business for almost 15 years is that most of my evictions have involved someone with income less than 3x the minimum.It is good to consider the reason WHY this rule is what it is:The majority of rentals in my medium size Midwestern town (Springfield, MO, population 160,000) are between $500 - $1200 per month, meaning most renters need a household income between $1,500 - $3,600 or greater, depending on the Class, location, etc. of the rental.