A life proof case for the iPhone? 

I had a good vibe from them too, and it was an absolutely miserable year of my life dealing with them.

A typical life cycle might be 5- 7 years from start to finish. 

I am 59 years old and have been in a related business my whole life.  

Finally, use all these numbers, including purchase price, repairs, rental income, expenses, and sales price or cash out refi after X number of years (you can play with these parameters) and calculate IRR on the series (can use the excel function to do this) ... this is your total return, over the life of the investment, including ALL sources of profit.

I love to be active and this includes working out, crossfit (I'm not one of those guys, trust me), camping, cycling, rock climbing and indoor bouldering, networking, hiking, and anything that involves building relationships.Looking forward to diving into real estate investing and beginning this new chapter of my life!  

Chris, I have lived here all my life and have come to the conclusion the only ones that knock Memphis or those that either don't really do anything but go to work and return home or have failed in one way or another and want to blame the city.  

Is it realistic to think that at some point in ones life, these areas will experience a revival- either because jobs returned or because of forced use because we need places to park people as the population grows? 

Okay, I've researched, researched researched ,spoke with loan specialists etc. and I'm on the right path to get started, but felt it would be wise to ask the BP community of their experience in hopes to be gifted with their knowledge so that I can better correlate between research and human endeavor.So I DO NOT earn 6 figures and therefore I've lived well below my means to save everything I do earn to begin my buy and hold path. 

Fees for the loan, appraisal, etc are deducted over the life of the note, in my case that is 15 years.