While I am not a huge proponent of banking on appreciation alone, it should not be discounted as the ROI for Appreciation can be substantially greater compared to the ROI from Cash Flow assuming you are using a 75% or 80% Loan to Value (LVT) debt or greater.Since you have to live somewhere in Colorado Springs you have to choose to pay your own mortgage or someone else's.

But this is without discounting or accounting for inflation.

Many but not most homes are being sold at a discount to the list price.  

Notes seem to be a short-term pursuit, unless of course one invests in long-term notes.Having property allows one access to capital at a discount to what notes would bring so borrowing a little and using cash to buy notes and make loans seems like a logical direction to take.Searching for local notes brought me to a company named Fairfield Financial that seems like a good place to search out this type of investment.Hear younger people say they look forward to when they can just make loans.

In reality who knows what will happen.I wouldn't discount appreciation completely.

If you bought a 3 bedroom ranch for example for $xx,xxx and the comps in that same area are all X% higher (you have to decide what % discount you desire), then you may have a winner.

It was the traffic master allure cherry for $1.79 sf. minus the usual contractor discount.

I found this eliminated 90% of potential buyers, the ones remaining wanted large discounts.

I am hoping to capitalize on the discount broker fee that the FannieMae would be charged.

anywhere in Toronto but there are more in artistic districts, I used to watch the Now magazine listings but this was years back - "lofts" can have different meanings in Toronto - anything with one room might be listed as such (from a bachelor apt, to a real artist loft, to a condo style “loftâ€, or condo or apt “with (upper level) loftâ€, to a super expensive Donald Trump one room hotel style “loft†condo with room service)… some lofts may be simply listed as apts, and some are zoned for work/live use and geared toward artists but not many are listed with that much detail. there is a wide variance in quality and types of lofts, some are unfinished, others are finished with exposed brick etc.if you dig through Now magazine and other papers and can't find them, hit me up with a PM and I'll try to get you some more details. probably the fastest way to find some is to drive through artistic areas and see what's above and between the storefronts. otherwise some are in converted buildings mainly downtownish but at least one as far as Mississauga so just about anywhere goes. you can see if you're driving downtown some buildings that look like old factories on the outside but have different coloured curtains hanging in all the windows.a few but not all are offered at discounted rates to artists because most probably don't make much money - so if you're looking into it make sure it is profitable for you if you wanted to buy and hold for renting. it is probably entirely possible to create loft spaces in just about any building but if you have a particular vision in mind it might require certain types of buildings. many artists looking for work spaces are not terribly picky about their surroundings as long as they have the required space they need for their work and basic needs like kitchen/washroom etc. any more Qs let me know!