But if you buy at the right price you might not get appreciation per say but you may get the market just returning to a stable healthy price.

The important factors are to buy in markets that are strong economically, and healthy in terms of its housing (refer to my 2013 Housing Market Forecast as a primer).

It can be a simple act of treating others with kindness, appreciation, and with a smile.

The food that I buy for my foreign student only came to about $100 a month leaving me a healthy profit.

I lived through 4 downturns now and to me its all about no debt on property and cash.. and then value add make your 30 to 200k per sale and do a bunch of them .. pay your tax's and try to stay healthy..  

I would say doing good analysis of numbers = healthy bank balance = happy wife = happy life

Btw, our focus are on buy and hold single family units in transitioning neighborhoods in Baltimore.Last night, I came across a very interesting program in Baltimore called the Healthy Neighborhoods Rehabilitation Loan.

I wouldn't be too concerned about percentage of renters, but all else being equal I would like to see a healthy pool of tenants.

Smile.

Is there any way I can restructure to lock it in and use it to temporarily augment my emergency maintenance fund until I can get it to a healthy level with rents.