I have lots of clients in the same boat- just getting started and trying to make the best possible choices as they move forward.

Real estate is super flexible and a great career choice when you've got kids, but the reality of the situation is that you will need daycare of some sort, even ifor it's just a babysitter that is on call and available a day or two a week.

Those days are gone, but if you are savvy about the path of progress you can make some good choices.

My first post wasn't meant to be a platform for Russell Brazil to defend his investment choices, it was meant to be about introducing what I am trying to do. 2) The fluctuation I am referring to is the job market.

Hi Ryan,Welcome!

My feeling is if you have a choice try to be on one of the coasts for fun and beauty and try to get in the southern half of the state.

Thanks Ryan.

I've lived in the neighborhood close to 10 years now and, perhaps naively, thought that even if the investment metrics didn't show that it were a stellar choice, the location might serve to make it worthwhile given the demand and momentum which exists in RE here locally.The analysis below shows how things look for both 15yr and 30yr financing, and I'm curious to know how people weigh that choice.

Sometimes it is deliberate choice, sometimes it is simply bank/servicer inefficiency.

Success is a process, failure is a choice