Technological innovation will radically change the industry.  

I personally use IRA Innovations for my own self-directed account.

Rates will be going up 3/4 % of a point in Nov. 

We purchased in Nov of 2009.

For those who sends a grocery store gift card and indicate it's a turkey, I assume you send it in Nov and not Dec?...

Paid cash; I partnered with M3 Innovations, Inc. on the deal, I put up the purchase money and they put up the renovation money.

I've rented properties in the dead of winter in NJ and in Nov/Dec in FL.

Purchase price: $18,000,000 This was a 506C Multifamily Syndication for 336 Units nestled in the heart of the innovation quarter of Winston-Salem, NC.

I rent the Siesta Key place to snow birds for 4-5 months and then the brit/us 2 week holiday market and then after sept the german market, then i get the odd brit in nov for 2 weeks for a golf holiday and then rent it out for thanksgiving and then i use it at the beg of dec and then rent it for xmas. my net return is anything between 12-15% annually but to buy these properties now you are looking at 400k plus, and the majority have HOA.

Steven: Yes, I bought my first property in Nov of '12 so it sounds like I divide up my overhead expenses between my properties as I already handled my startup costs on my 2012 taxes.Thanks for all the input.