They're happy, goofy, and smart just like any other dog.

But I figure I already own the property so I might as well capitalize on it and I can't find anything to purchase, so is it smart to build?

Always smart to get quotes and find the price for a professional job, in this case its a no brainer.

I'm starting to see that there are smart, safe ways to do it.  

I've been in IT (Information Technology) since I was 15 years old. 20 years later, I'm a software consultant for SAP.I've been intrigued by real estate for years and have finally decided to see what it's all about.

I think it's smart that you're taking the steps to educate yourself. 

Eli, if you are looking to invest in Philadelphia and you live out of the area, I think the smart money is on finding a local investor to partner with.  

I think with a good plan to always be looking for great investment quality real estate you can always find smart money to help you fund the deal.  

Also, being in technology, there could be drastic changes leaving me with no salary at all.  

Early last week the bond got shelled and rates plummeted, then just a few days later it rebounded and massive YSP was gone overnight.If you're a borrower in a conforming loan amount and your rate is in the 6%s, and you're smart enough to figure out how to get yourself into the 5%s in a long term fixed no cost loan...consider it if the savings make a difference.