We are so smart in our country with our criminal justice system, aren't we? 

Apartment is the smart move and just use the money to go to the movies.

Whitson Gordon (non BP Member)Pros: Basic is free with 60 MB of new uploads per month and sync across 2 devices Cons:Not designed for real estate Cost: $34.99 for Plus with 1 GB of new uploads per month with synch across all devices $69.99 for Premium with 10 GB of new uploads per month with synch across all devices and more featuresTrello - A Trello board is basically a web page containing lists laid out horizontally on the page so you can get a bird's eye view of your project.

But to me, it sounds like your distaste for leverage assumes that people are not buying smart with significant reserves in case of unforeseen circumstances.

Whitson Gordon (non BP Member)Pros: Basic is free with 60 MB of new uploads per month and sync across 2 devices Cons:Not designed for real estate Cost: $34.99 for Plus with 1 GB of new uploads per month with synch across all devices $69.99 for Premium with 10 GB of new uploads per month with synch across all devices and more featuresTrello - A Trello board is basically a web page containing lists laid out horizontally on the page so you can get a bird's eye view of your project.

Be smart about your decisions to run a business and you will be ok.

Depending on the neighborhood you are in, you could expect to still see some substantial growth in the exit price of your property in Oakland and with no $ looming over you holding on sounds smart to me.

You really wont know how if its worth it until you try, but being smart and calculating like you have is ideal.

Very true, I see now it is not smart to ask general questions.

Got my wife involved (she's the smart one) and we got a HELOC on our house in preparation of REI.