But, when I try to compute what real figures look like, each have been negative or bad deals. 

The meeting minutes are sometimes a good source of information to figure out the types of personalities you have on the board before you meet them.You are then very likely to have to go to the next board meeting. 

Probably should talk to a local RE attorney, you should be able to get a free consultation and figure out what you need to know.

So do we sell now when prices are high, figuring that we can buy back in later at lower prices?

-make sure you have your numbers down (when evaluating cash flow and be super conservative)-nail down location and figure out if you want to do buy and hold/ flip / etc. multi family vs single family etcGood luck!!!

I need to go back to the drawing board to figure out where I can generate a minimum down payment for an owner-occupy property.

Ive been writing the lingo down as I go, but you gave me some new ones.I'm not a pro member yet, once I am i'll have all the calculators, but till then I figured if I can know how to analyze a deal without a calculator, Id have a better understanding of what to look for and basic understanding.

Have you run your figures with 15 year fix doing Airbnb?  

Utilization, credit mix, age of file, etc. all figure into the scenario.Utilization becomes an issue when it reaches 40% or so of the total or on any individual revolving account.I have a whole PowerPoint I use to explain credit basics to rooms of consumers.

Someone to help me figure ot witch way to go .