I have just started kicking around buying a home here for my family and I, but I would need to rent it out year round as well. 

and @Brandon Turner how about this for a fire round question?

Then, in the first round, they find based on your credit score - $75K-$100K+ spread among all these issuing cards ( $10-$15-$20K+ per card) Now- just imagine this: six months after you take out these lines - you need more funding.

We are ready to go for round two!

Elkton’s neighbor, Massanutten Resort, is roughly 5 miles west and boasts an indoor waterpark, golf, skiing/snowboarding, and year-round events for the entire family.

This diverse range of attractions is a real plus for investors.Park City, UT: Park City's blend of outdoor activities, from skiing to hiking and biking, makes it a year-round destination.

I'm in the Round Rock area, so if y'all ever get up here, reach out and we can connect.

To make more sense, here is a scenario I am looking at right now:$55,000 Purchase Price$13,750 Down Payment (Investment)$266 PITI based on 4.35% @ 30 years and estimate on Tax and Ins$413 ROI based on 3% of my initial investment$102 Safety Funds (15% of PITI+ROI)$781 monthly rent - Break Even (ROI) will be 34 months (rounded up)Now, these are ball park figures, but overall pretty close to actual.

@Nick Brubaker I'd be interested in joining a round table discussion about the market! 

In a round about way that was 0 down.