But...you may have other factors or economic conditions that are different.

Although at this point most peoples PIA is stolen, generally the more recently it's stolen the more it's traded/sold/used for fraud, so it's still good to limit PIA from being stolen repeatedly.They're going to recommend a defined set of investments/allocations based on your questionnaire and where their back office black box says we are in the economic cycle, rate cycle. 

@Colleen Brooks what’s the economic outlook in that area with employment?

It's gone from a business based on numbers that make economic sense to become a game of how much over value can a buyer risk paying?

They’re generally very economical.

I'm just trying to gather info from other folks to see how they are preventing for an hypothetical crisis and what would be their plan of action. 

In any event, the threshold debt to income ratio is likely to be different from bank to bank, from residential loan type to commercial, and from month to month as lending requirements vary according to the economical cycle. 

I'm looking to get started as an agent here in Texas, and of course I'm looking the best place to take these courses online.I'm looking for something economic but not to where it will sacrifice the quality of the courses.Ive seen alot of Kaplan University and theyre fairly priced, but im not sure how good or bad their courses are...Any suggestion?

Grand Junction Delta Paonia Montrose Ridgway Telluride I tend to find above 8%to be great, yet have a lower socio economic profile( very little risk yet not grade B parcels. ( yes its a little sleepy over here, with older inventory)I see 6% deals all the time, but as RE investors we want the 1% rule or better CAP rates/ROI.I am just doing some market research in the small towns from Durango north to GJ.I have a 8.5% CAP( 5 plex )listed in the marketplace in Montrose CO and wanted to see how competitive we are, and I just bought a 10.5% cheap 85k townhome in Delta.

Purchase price: $485,000 Sale price: $795,000 located in an up and coming, booming historical community of "Chesterfield Square", this Unique 1920's Craftsman is located in a very desirable location and investment benefit from the property's proximity to Metro, freeways (405,110,10), coastal beaches, DTLA, and Los Angeles International Airport. several major economic development projects underway.