I appreciate your insight I have very little exposure to the outside real estate market so its nice to get feedback from people investing in other parts of the country@Nathan G.

Understanding the city and developing relationships with your team is essential.If Indianapolis is a target, I would look at the CIREIA and IREIA calendars as well as any meetups or BP groups.

As it seems like they could make more by developing relationships with individuals themselves.Is it the speed?

If it is trapped in the employer plan provider and conventional stocks, then you would have in the future a nice chunk you have saved up, that can then be moved into a self-directed plan of your choosing once you leave this employer.

Might be a better bet to develop a relationship with a Realtor or ISA who will get you the info you need from the MLS system and eliminate the gray area with your job.  

(to live then maybe sell in 5 years)   The homes are nice but the area seems to be lacking...

I figured those were the important things but it’s nice to get some confirmation 

My advice: it sounds like you’ve built a nice little nest egg.

and also the appreciation (hopefully) should be nice in the SD area. 

nice post.. were i see 100% financing is for EXTREMELY experienced operators that have been with their HML for years and years.. and the deals are no more than 60 to 65% LTV.. this does happen.. but its only for those special few repeat clients that have years of working experience with the lender. totally agree on the ones that require a larger fee up front I just hearken on the American Greed episode with Remmington Financial the King of pump and dump due diligence lenders..