I've had my eyes on a few spots an noticed some urban areas that comps are starting rise.

I ran some numbers and with a 10% down payment on a ~ $600k home, I would be a 40% equity right around 15 years (no appreciation assumed here.. you were spot on).

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?