Don't get me wrong, I'm all for education, but not when it's only going to get you deeper into debt.  

Often, the technical side of real estate and finance will not be logical unless you have a much deeper understanding to recognize the reasoning behind rules, regulations and laws.

Getting into $100k in debt is a scary thought for someone who has never saved more than $15k in their life.There are many deeper psychological reasons as to why a life-long renters don't choose the smaller mortgage payment over the higher monthly rent.

It seems to be attracting many empty nesters with deeper pockets compared to younger generations with smaller bank accounts. 

And the best part is that the deeper you get into the loan, the more of your payment gets applied toward the principal.

I got a keyword alert for Cleveland, so I figured I'd chime in with some color on Cleveland in case that is a market you dig deeper into.Having sold over $200 million in Cleveland rentals over the years, I can say that Cleveland is a very tricky market.

But lets take it a deeper mode.

@Allison Meggison You can play it 2 ways - (a) as if you don't know anything about their situation = you are just looking to buy another house, (b) you can delve in to their stress and sense of urgency that is needed vs them not doing anything =  you are there to help them solve that problem. 

Agree, with a much deeper bench and if healthy at playoff time there should be no stopping the Cavs this year!

Dig deeper into that criteria and figure out if you’re looking for appreciation, value add, renovation, emerging markets, student housing, etc and build from there and that will help you narrow down your criteria for choosing markets to look at.