Personally, I'd BRRR for the long term play...

Ok, so playing devils advocate (I've always believed in low LTV for safety), and out of curiosity; If you only lose money when you sell and make when you buy, and I have no plans on selling during the downs of the up and down cycles, and if my cash flow is unaffected / unrelated to market value swings, and I keep more money in reserve should I over leverage and push LTV to say 95% - is this a bad thing?

Strategy also plays a part in this (i.e.

I'm looking to add an appreciation play into my portfolio and I believe my competitive advantage is in Kitchener/Waterloo where I did my undergrad.

Hey @Mike Palmer,The East Coast of Central Florida is great for retirees who are planing in playing gulf and go to the beach. 

It almost allows for a "forced" appreciation play by just getting signatures at the City.

Hi @Gloria Hamilton, this sounds like exactly what DealMachine was made for . . . have you played around with it yet?

Just trying to play the situation out and see if others have had any issues with HUD in this issue..

So, if you play your cards right, you could live rent free for over 4 and half months in Downtown LA.

Move to the area that provides the most opportunity to be happy (or has a good airport to get you affordably to places to play).