As stated in previous post besides the 500k+ government jobs number, which uses logarithms to determine the number of jobs, the household survey report and payroll report show less job creation and most of the jobs that were created are seasonal hourly work.

I thinking about using the brrr strategy using group economics in my household.

@Tim Swierczek is a loan officer and may be able to help.If memory serves correct, the current requirement is 3.5% down (via FHA loan) Not sure about partnering on an FHA, at least if you're 2 different households.

You also need to consider job growth/stagnation, household formations, LTV's, and a host of other factors which point to us being in an upswing, but not necessarily bubble territory.I just returned from a weekend in Nashville with some friends. 

The husband recently passed away, and the wife was just a homemaker , and didn't handle the finances in the household .

http://www.constructiondive.com/news/co-constructi...A new construction defects law that could revive condominium development has passed the Colorado House unanimously and is expected to gain Senate approval as well, according to CBS Denver.The new legislation would reverse new-development obstacles contained in the existing law, such as a homeowners association's (HOA) ability to sue condominium developers without first obtaining homeowner approval.Developers say the current law has led to "frivolous" lawsuits that have all but halted condominium development in the state.

Looking at the census data available for areas near the stadium, it's clear that rents and household incomes have both increased dramatically.   

We usually require credit score of 550 or better and household NET income three times the rent.

You mention an HOA... is this a condominium unit?

:I typically do not count student loans unless the payment is a very significant portion of their debt:income ratio.Their household income is right at about median rate.