(Depend on the area) Yes between 2009'- 2013 the market dropped in Memphis but also Vegas and Phoenix crushed.  

A month ago when I was dropping off (100) jumbo 14"x20" envelopes with my 12"x18" marketing poster targeting expireds, the clerk asked me "WTH are you sending out in these?"

Even if you buy at the top of a pricing cycle, if your planned hold time is indefinite, it doesn't matter if price drops.

CA didn't see the same drop, but I expect long term appreciation levels to be similar.

I've gotten loans from folks that I didn't know who just happened upon my profile (closing one today as a matter of fact), looked up our website and decided to drop me a line or send me an email.  

PMI is generally better for borrowers because it drops off automatically, without the need to refinance.

You might set up a pro rewards account with Home depot, and if you can buy most of your materials together, ie drywall, paint, flooring, appliances etc, they will shoot you a discount on the whole job, and you can get it drop shipped to the store or even delivered to your job site. 

Drop me a notes if you want to talk more.Patrick

I live 40 miles away, so I called the owner of the biggest plumbing co in the city and he and 2 techs dropped everything to get to the property within 10 minutes of my call.I had put a garage outdoor access remote on the outside of the house.. they couldn't get in thru that because THE POWER WAS NOW OFF.Luckily i had put a coded door knob on the kitchen door that opens to the deck-- i gave them the code and they were inside instantly.The water heater was STILL SPEWING WATER full blast in a stream so strong it was hitting the second story ceiling and hitting the ELECTRICAL PANEL also located in the garage and that's what had knocked out the power .The plumbers immediately turned off the inside water main cutoffand sent me photos of the EMERGENCY SITUATION the pm so calmly let me know about by email an hour earlier.i fired the pm co that instant and got on the phone to STATE FARM (my HOMEOWNERS/rental policy dwelling ins co) all whiledriving an hour to the property.i also called the city's best WATER EMERGENCY REMEDIATION COMpany while en route.When i got there, the water was turned off ( finally)the drywall ceiling had fallen in, the light fixtures destroyed, the garage door opener plastic case was HALF FULL OF WATER and there were 1000s of mold blooms on every surface and hundreds of stacks of spiky growing black mold (looked like iron fiilings we used to play with in that game we all had as kids where u use a magnet and drag the iron filings around to put hair and a mustache on the bald guy cartoon photo) the mold spikes were 1.5" tall on the wood railings and stairs going into the house, on all of my beautiful built in wooden garage shelves--- what a mess-- like the streets of Beirut after the bombs went off.and I don't have allergies -- but i could not even STAND inside the garage because the WET MOLD MILDEW SMELL was so strong it instantly gagged me and gave me a headache and i couldn't breathe.So here we are on Jan 17 and now i know that the BEST rental dwelling policy does NOT COVER MOLD REMEDIATION AT ALL ( so far $14,000) but it does cover water damage with a $2500 deductible...

Or is it more normal to put a drop-dead date on them here?