Each of the index data below is the average YTD appreciation of the MSA city.10 MSA City Index 4.78%20 MSA City Index 4.89%National Index        5.04% YTD Appreciation in 2014.Rank #1: Bay Area, CA:    7.57%#2: Dallas, TX:         7.17%#3: Seattle, WA       7.05%#4 Denver, CO        7.00%#5 Portland, OR     6.92%#6 Las Vegas, NV  6.78%#7 Miami, FL          6.66%#8 Atlanta, GA       5.09%#9 San Diego, CA   4.87%#10 Chicago, IL      4.82%#11 Tampa, FL      4.77%#12 Boston, MA    4.71%#13 LA/OC, CA     4.68%#14 Detroit, MI      4.23%#15 Charlotte, NC 3.94%#16 New York, NY 3.59%#17 Minneapolis, MN  3.25%#18 Cleveland, OH  3.24%#19 Washington DC 2.74%#20 Phoenix, AZ  2.01%

Even after all of that traveling though, I do plan to move back to my beautiful home state of Michigan!

It is truly a comparison where the "night and day" statement can be applied.Two common misconceptions:1 - Detroit City, and Detroit Suburbs, are the same thing...and exactly alike2 - Michigan, is in Detroit. 

I'm very surprised I joined BP after all the Detroit bashing Josh and Brandon do on the podcasts.I went to Michigan State for my bachelor's in electrical engineering and Oakland University for a master in engineering management. 

Most MI companies have told me they only insure up to 2 units with less than 20% down.The last option I know of that is owner occupied 4 units is VA, but you have to be or been a veteran at one time to obtain this 100% financing option.Features of MCM or my community mortgage:- must have no owned a primary residence for the last 3 years (can have owned rentals or non owners though)- must make under the required area income limits - in OC you can make up to 140% of the area median income (AMI) and each county in the US varies on what you can make- must take a home buyers education course- lowered MI coverage required - this means cheaper mortgage insurance from a buyers perspective- harder to find MI for this loan product (pending/researching)- can finance up to 95% of the purchase price of a 4 unit owner occupied building- can use 75% of gross rents of the other 3 units to help you qualify for the 4 plex purchase which makes it easier to buy

Originally posted by @Brandon M.:... I

You're welcome Bruce M. . I

Hi there Brie,I have a program that can go to 95% loan or as low as 5% down payment on conventional for owner occupied but the buyer has to have not owned a primary residence in the last 3 years  and meets area median income limits.I've been researching the program and MI companies are saying they will only insure it with a min down payment of 10% so if any update comes up I'll let you know.This means the borrower could pay monthly MI or buy a single premium (no monthly MI) policy.

I've sold 2 homes in Michigan, this is my 1st in OH

But i've got stuff going on all over the country - MI, IN and now NY...can anyone make a recommendation for a site/service that can provide data for the entire US?