@Rich Tirado Thanks Rich!

., but I'd like to see if I can find some clarification on some of these things specifically as they relate to owner-occupied multi-family properties.According to my simple brain, as long as:Rental income - Rental expenses >= Mortgage + Insurance + Taxesthen the scales balance, househacking makes sense, and we're living for free on our way to fantastic riches and early retirement.Of course having browsed BP for a few weeks, I now know that the "Rental Expenses" variable is a big one -- vacancy, turnover, repairs, capex, (heaven forbid) an eviction, etc, can put a big dent in rental profits quickly.

We live in an older development, but are zoned for the same schools as the "rich people." 

The rich who own all of those big commercial buildings which are largely empty are also getting poorer. 

On a macro scale over the long term, I think it’s reasonable to speculate that everything currently happening is going to exacerbate the gap between the rich and the poor and further reduce the size of the middle class.

Rich dad poor dad3. 

Honestly, I don’t know what in this equation will change anytime soon, but I don’t feel that riches are to be made in this real estate climate compared to other times.

People continue to move here for the diverse economy, plethora of fun activities like tourist attractions and outdoor parks, and we have a very rich culture and food scene as well. 

REI is not a get rich quick scheme and first deal is usually a huge learning curve.

***********************************Migration out of Minnesota is on the rise And it's not just the rich and elderly moving to lower-tax states.