We are financially stable with the only debt being our house and 1 vehicle loan.

A lot of OOS investors, who recognize investment property as a passive play and retirement vehicle (important distinction), not a vehicle to replace their current job or income level, are not banking off appreciation.

They're more of an estate vehicle. 

(c)A recreational vehicle may not be placed on any property except as specifically permitted in this chapter.

Know the risks and potential returns of various investment vehicles, such as stocks, bonds, mutual funds, and, of course, real estate.Develop a Diverse Portfolio-The old saying “Don’t put all your eggs in one basket” is accurate.

Credit unions are great if you can find one that understands that loans are about more than vehicles and personal residences.

@Ed Mayo tax sales are becoming more well known as an investment vehicle because of the internet.

If people scare you or make you uncomfortable, then stocks, REITs, or some other vehicle is probably a better investment strategy.

I also ask number of vehicles and type (this may be regional but I sometimes get someone who has alot of extra vehicles). 

After all, a vehicle is USUALLY one the largest purchase a person makes aside from a house.