Or is he providing the more conservative, Dave Ramsey-like mindset that is very much debt-averse by advising applicants to utilize conventional loans?

County (delays and red tape - though you can of course not have to deal with this for most improvements)-Prices are very high-Tenant-friendly state - it takes much longer to evictPros:-Tenants tend to stay longer-Property taxes are low VS purchase price-You can quickly fill a rental as demand is there - no matter what the asset class is-Utility companies are super helpful.

In setting up the utilities, I had the city come out and replaced our trash bins since we as owners are responsible. 

Currently, average prices for 1bed 1bath in steamboat is $1,800/month (utilities not included) or $325,000 + HOA to buy outright.

Currently, average prices for 1bed 1bath in steamboat is $1,800/month (utilities not included) or $325,000 + HOA to buy outright.

I am not at the mercy of HOA's where you're blindsided with special assessments.My dad owned a small mixed use property, built in 1890, but through the years, utilities are updated to standard, and one such property is enough to see him through retirement.

Tesla has filed to become a Texas power retailer in a move that could shake up an already fast-changing market.Tesla also told the state’s grid operator that it wants to build two giant utility-scale batteries that will serve wholesale power companies in the state.

Getting more energy efficient can also help your cause if you are paying utilities.

I have been pre-approved and have saved enough for a down payment (3.5%) utilizing the FHA program.

All utilities grouped together.