For example, if healthy cash flow or cap rate is your main criteria, you are simply not going to get it in those areas So much depends on your time frame too.

As long as I have healthy reserves.   

How healthy is the community, and how often do they raise the HOA fee? 

The banks and investors always factor around 5 % for vacancy, so even if you are 100% occupied you will still be viewed as having spme vacancyI think 5% is a reasonable figure for a healthy market.  

My wife and I are both in our 20s and healthy.

We are healthy people.

Sounds like a healthy number if you are unaware of the separate Reserve Funding needs.

It helps to frame a healthy conversation.   

Eating healthy and working out are key for me!

Well believe this: If you are well loved and your mind and your body are healthy and you have time you will have confidence and strength and you most likely will succeed financially).