Certainly, most people in this country lost a lot during that time, but among the "average Joe," there were fewer capital assets owned and therefore less of a proportionate drop (though if your sole asset was your primary residence, you probably lost a lot as well).Then, during the period from 2009-2012, if you were rich, you likely had some opportunities that were pretty unique in an historical sense -- real estate was as discounted as its ever been, taxes were low, fear was rampant, government policy favored them, etc.

I am working on the same assumption, I am certainly not willing to place my future on the government, I choose to take charge as most of us RE investors are doing.

Prospective home buyers would get a simpler way to understand often-confusing mortgage terms under new rules issued Wednesday by the federal government."

The government will make sure that it is still on the market completely renovated Jan. 1, right?

And since neither we nor anyone in the government actually has a grasp on these numbers it is just going to continue.

But, government programs are running out of money.  

Rule: Consumer debts are personal debts as opposed to business or government debts.Analysis: Residential mortgages are personal debts. 

Cleveland, OH 29 9.5 Memphis, TN 41 9.54 Houston, TX 6 9.89 Indianapolis, IN 33 9.91 Detroit, MI 12 9.93 Cincinnati, OH 28 10.01 Buffalo, NY 46 10.04 Kansas City, MO 30 10.47 Oklahoma City, OK 42 10.47 Chicago, IL 3 10.5Combined with Wikipedia for data on projected population increases and bestplaces.net which sources their data from mostly government data and I wish I would have done this months ago to at least narrow down the field for strong Cash Flow market candidates. 

Did you register as a B&B with the government?

Different localities have different rules on how many units a building needs to be governed by the ETPA.