Grand Cardone points out in his awesome book 10X, that when you're reaching for massive success you'll naturally create new or different problems for yourself - and you want that.

I am ultra conservative by nature, slow and steady is my natural and preferred pace for all things.

It also takes in one other factor of increasing Hispanic population, and targeting the best metros for this natural demographic change in the US.

Is this just the nature of the beast with HUD?    

I provide inexpensive vertical or horizontal blinds for privacy on townhomes and condos just due to the nature of communal living, but no curtains.  

We're in the Rust-Belt, which tends to be very isolated from the sometimes brutal nature of the 'hot' areas to invest in real estate.

There are Real Estate classes offered by for-profit companies that promise to teach you everything you need to know to pass the RE license test in one or two weekends, but they generally cost a lot more -- and you may not have enough classroom time to adequately learn the material.Until you sign up for that Real Estate class at your local community college, read as much as you can hear at Bigger Pockets. 

Yes, my excel sheet was just for rough numbers to see what a cap rate would be and things of that nature.

Its a small residential town that services a larger regional city of Gladstone which has some natural gas plants, a port, refinery, smelter and power station. 

In most areas  of Monroe County there is no natural gas available;  when gas is referred to as a heating source, it is usually propane.