It's tough to find the good ones, they don't advertise and in this environment they don't have too.

I'm more concerned with these charts when certain asset classes are pulled out and/or isolated, and when they refer to specific urban environs and MSAs.  

With FHA their concern is that the person they lend to is living in a safe environment.

Now calculate the cost of waiting to save more money - you will lose that equity regardless of multi or condoThe cost of waiting can be expensive - we are in a rising interest rate environment - do a calculation on the cost of waiting with rates at 4.5% vs 5.25 or 5,5% in 1 year which is very feasible.What is most important cash flow or appreciation?

Keep in mind I live in the same house so I don't want to create a hostile environment but at the same time it's a business not a charity. 

There were MANY MANY factors that led to the environment that created the crash in 2008. 

I think large apartments are PARTICULARLY risky in the current environment where everything is stretched...The more education I got, the more I think I would ONLY get into large apartments when economy is in a downturn and vacancy is high....

We have been in a low interest rate environment for almost a decade. 

@Jeffery Neal  I appreciate the response and introduction......I'm looking for folks that are comfortable with a different work climate and environment.

I'd prefer the HELOC because it's "reusable" but the variable interest rate worries me given the current rate environment.