Of course, it depends on the style of the house too, rooflines with a lot of cuts, etc., pop outs, roof top decks, all add costs, the closer to a box you build the lower the cost.

I do not fall under the "if it's not broke don't fix it" style, but rather, if it is worth the investment to improve something (ie it will help appeal to more buyers, sell the house quicker, or increase my ROI) than we will make the upgrade.

She said no one could afford to buy them for what they are worth.Is that more of a function of the market as a whole (Tulsa, OK) or because their houses were in a low income part of town where probably >50% of households are renter occupied, and qualified homebuyers can look in more desirable areas?

We personally have found that our lifestyle lends best towards the 'buy and hold' style.

You may also find that instead of 12 houses you can end up with 100 loft-style condos, retail, a park, and whatever else.

Its key that the style (ranch, two story, etc) is the same, the neighborhood is the same and other factors (busy street or other pluses or minuses) are similar.

Once you start approaching 30% of household income going to rent, you need to start being more careful.

Well there is more capital chasing loans than there are loans, so I would say that goes to the Seller.Loans are sold via auction style sales where a pool is issued to multiple parties and they bid and one bidder wins.

There are quite a number of posts on this topic already:http://www.biggerpockets.com/forums/49/topics/91762-lending-clubhttp://www.biggerpockets.com/forums/49/topics/74756-peer-to-peer-lending-siteshttp://www.biggerpockets.com/forums/49/topics/80557-review-of-p2p-lending-sites-bp-style

I think you can argue either way.Those that have been sitting on the fence waiting to buy might see higher interest rates as a wake-up call to either take action now or miss the boat.On the other hand, household income has not been rising even though housing demand has recently skyrocketed.