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I recently ran the numbers on Boise's affordability rate and I can't quite remember the numbers, but Boise ranked as "moderately unaffordable".

As you said, most people making between 50-80k have seen stagnant wages with only moderate increases.

Hi all,My Real name is Bennette and I discovered the site on one or my restlessnights, which led to surfing on the internet.I'm a developer specializing in building single family affordable homes for low to moderate income and 1st time home buyers.

@Chad Urbshott  We were debating - buy a property with small, but still positive cashflow and none to moderate appreciating potential, or with small negative cashflow with greater appreciating potential. 

I estimate by being moderately handy can save me anywhere between 10 to 12k on flips.

If you are looking for a sustained moderate return (4% to 8%) with probable appreciation and are able to pay the higher property prices compared to prices in the midwest, you should consider Las Vegas.

Regardless of whether a property is in a special flood hazard area or a low-moderate risk zone, flood insurance is always recommended and depending on the particular property location and situation, it can actually be viewed as some what of an asset. 

She wants everything paid off, while I want to expand at a moderate rate.