Recent internet searches of the economy of this town point to the underwhelming economy, which is heavily tied to oil and gas.  

I have zero bills (cars, cc, student loans etc.) other than the regular like water, electric, cable, phone, etc..  

Its like buying a car... you get what you get. 

My second question is about my car.

Since economy is strong (atleast as per govt data), FED is thinking of raising rates.  

I also don't have the best credit either I cosigned with my dad on the house webought cause i had credit score of 780 at 21 years old but the debt to income ruined my credit as well as a car i lost cause i couldn't find work in 2009-2010.  

What I did when I was driving for my first property was look for ones that needed yard work, had junk cars in the driveway of an otherwise nice neighborhood.

And you want the best of both worlds with Monthly Cash Flow and Long Term Appreciation in a growing Economy and the Path of Progress.

My auto insurance company, BMW and myself were sued by a mechanic who replaced and an airbag in my car. 

Since we live about 6 hours away by car, we only see her on the school breaks.