That's just way too low for me to feel comfortable...even in an extremely cheap city.

My wife insists on doing the books for the business, and still does not like my investing, but admits that it has done extremely well. 

As of right now you still need to take them in the classroom but Ohio lawmakers are extremely close to getting a law passed that will allow you to take them online.

The consensus at a panel discussion at last year's IMN conference is that there are over $300 billion in extremely delinquent debt still to be liquidated to the secondary market, plenty to go around for all of us small balance investors. 

I am just extremely conservative with my numbers and I never count on appreciation, ever.  

I've also found the local REIN group to be extremely valuable.  

Crime rates are still extremely high but they are much lower than 5 years ago before revitalization efforts.I'm BRRRRing properties right now (but most don't need much rehab).  

The Southeast Valley in general is performing extremely well and is definitely a seller's market.

That makes me extremely familiar with the market and I have a lot of connections in this community.

I am new to the real estate business but have been extremely interested in purchasing homes (that don't require a ton of work), doing that work and then reselling them.