Its speculative, but if you can focus marketing in that exact area and land a couple of deals today and sell when the schools become great you'll get a better ROI.

This is speculative.

REITs are an interesting overlap between real estate and stocks, but speculation of rising interest rates has really hurt them recently.

And my speculation so far with the numbers I've ran on the properties I've seen in my area, is that for a typical 4bd 2 bath duplex (2 bed 1 bath each unit), You would need to rent out the other unit (obviously) and even the spare bedroom in your own unit, and even at that you might owe $200-$400 on the mortgage (P&I taxes, insurance, and PMI included though). 

If you're only 20 and already speculating about loans and homes- I'd  say you're on the right path!

People on a public forum are just speculating in regards to a topic like this. 

So if that state law is ever reversed or modified (and there is a lot of speculation that might happen in the future), Sedona will probably go back to banning STRs. 

A lot of people are speculating that Berlin is coming to the end of a bubble, so could be considered a bit speculative depending on how much you have to pay for those transfer costs. https://www.settle-in-berlin.com/buy-apartment-ber...

If it's the quads I'm thinking of, I have a good idea why, however it would be speculation on my part.

Isn't that akin to speculation?