Excel needs things to be aligned just right or it shifts the data to another column.  

With the way our society is today, it is almost a brain bashing experience trying to teach someone who doesn't get financial concepts.

I have a blend of both, but I am working on shifting to all business credit.

to me its a health hazard unless involved indecent *sexual* exposure. ie, an adult parking his/her car outside of an elementary school or anywhere for the matter with genitalia unclothed would likely be a sexual offense however the same person into their car at the beach parking lot caught taking off their wet trunks and slippin into dry trunks, or vice versa, or maybe even urinating in the nearby bushes isn't sexual (except to a sexually obsessed society that loves to associate natural nudity with sexuality).i notice at alot of the beaches' changing rooms around here in socal, alot/most of the guys walk around freely naked and even aroused. must be a western thing?

Also mass transit has to be with 20% of the travel time for commuters to shift from cars to mass transit.  

We have become a society that makes it easy for the bad to go along without repercussions.

So, if you are going to run the numbers for the options, please run ALL the numbers.Having said all that, you can make money on either option ... there are many ways to skin a cat and believe that active investing with home court advantage usually trumps all so advise investors to roll your sleeves up and use your brains, brawn, balls (if applicable), and pocket book to work with whatever your local market gives you ... and if your local market shifts, shift your strategy to match.

I don't think anything is fully recession proof, but I do think notes can be profitable in various market conditions, especially if an investor is willing to shift strategies.

I think millennials will create a shift in the brokerage industry, but I'm not quite sure what it will be.

On the other hand, putting a whole band (or their roadies) in all four units would probably work well, as perhaps would housing all people looking to re-enter society (also a worthy goal btw)..