US Poverty highest since 1960s:http://news.yahoo.com/us-poverty-track-rise-highest-since-1960s-112946547--finance.htmlRolls Royce highest annual sales in 107 years:http://www.autoblog.com/2012/01/11/rolls-royce-records-highest-annual-sales-in-107-year-history/

How fast do you thinnk they will rise?

Since prices are on the rise, my game plan has changed to acquiring as much as possible for buy and holds.

Any one have any thoughts on how easy or feasable it is to rent individual condo units in high rise condo buildings.

Sooner or later the market is going to come back and rent roll will rise in the long run as well.

What I didn't realize in areas that didn't appreciate as much is that costs still rise even if rent and house values don't.Personally you should be growing and changing as you "age" in real estate.

If/when values rise your cash on cash return skyrockets and you are a hero.

I'm a cash flow investor and choose not to speculate on rising home prices.

Prices in the Phoenix area are on the rise and maybe it will take a longer period of time to recoup your money, but would look into doing a HARP - your lender can do this, but so can most lenders - time to shop around!

Credit score is a function of available credit to usage.The algorithm punishes you for using most of your available credit lines.For example take 10,000 a your credit limit.7,500 or more used really hurts your score, 5,000 or more is neutral, and 3,300 or less helps your score.So 75% hurt,50% is okay, 33% or under helps.If CC's are high you can do a combo of paying some down and also asking for a credit limit increase which will lower your balance to usage ratio and should help your score rise some again.No legal advice.