Also, they ask LOTS of questions, and every detail has to be spot on.

But Doug is absolutely spot on that Ogden has experienced 4-5 decades of exuberance and bust and subsequent cynicism.  

Both @Wayne Brooks and @Jay Hinrichs are spot on.  

Appreciation on this hot vacation spot has been 15-20%.

I know were all the good spots are ask if tou need to know any haha.

Regular checks allow you to correct these.Identity Theft Protection: Spotting unfamiliar accounts or suspicious activity can be a sign of identity theft.

I am looking at a house and it has a small area of black and grayish spots.

Hi @Kristin Vegas - That was a pretty spot summary by @Paul De Luca...there is TON of 2-4 units in Chicago proper, but as you go further out they begin to dissipate.Is there a reason you want to invest in the suburbs instead of Chicago?   

@Jon Mason  Justin's analysis is spot on, you will get about $113k from the refi (excl closing costs). 

Struck a deal on the spot - in hindsight, I could have struck a harder bargain but was too eager to own a property.