There is value in every service; if the individuals involved make the decision to be receptive to it. 

It's the small, locally operated banks and credit unions that have the ability to make decisions in-house, they don't have to conform to a set of standards written by someone at a corporate office. 

They should drive this decision. 

So the ideas about future education or switches would be personal decisions I suspect...On the investing side, real estate has been a worthwhile (and even profitable) part of my life (but it is no magic formula for happiness or anything).So you could see if a property (maybe think about a duplex, triplex or fourplex) would pencil out and you could even make a unit your home a short time and later rent that unit out, too, and buy another property (or just live On the Road!)......

I'm in Cincinnati OH and have flipped several houses and I have one where I have the ability to flip it for top $$$ but only if I design it correctly.Does anyone have suggestions for someone in Cincinnati who can help with design decisions, including flooring types, type of countertops to install, cabinets, paint, wall removals...what type of company would I work with to make these design decisions?

But that is what everyone seems to be saying is going to happen because everyone's risk tolerance and knowledge are different.What other tools should I be using to make the decision as to whether or not a property is a good investment?

Of course I would do all my due diligence on any decisions made and would like to know if there's anything materially wrong with what I'm suggesting below.I am interested in buying a property that needs to be fixed up but is in good enough condition to rent.

Hello David,I know this can be a difficult decision to make!

What I mean by that is the decision shouldn't be made on say tax rates but on ROI.

Hello,I need advise to make a smart decision.