Financial independence means that you do not rely on any one particular source of income.

That way it will come from a trusted source and will have more chances of conversion.

It does not include cash flow, tax deductions (also cash in your pocket), forced appreciation (increased value through captial expenditures & other sources), or even the possibility of buying below the value which you can not do in stocks.

You can then look up the name in various sources such as 411.com or whitepages.com.

What are the sources of growth there?

Add additional income sources: If you have some vacant land, consider adding some mini storage units, or fence it off and offer storage for RV's, Boats, and extra automobiles.

Biggest downfall IMHO, they don't appreciate nearly as fast as SFRs.

If you're good to go (and, you hear that from more than one source), then if the bank does call the loan, you just refi.

Personally my biggest road block as a college student is, I don't know where I will be come next August for graduate school.

But my biggest concern is what responsibility do we have in this issue?