@Jay Hinrichs and Account Closed and Jay, I'm a little biased, but definitely a fan of the community banks!

I too was in your shoes a few years ago, however I went ahead and bought my first house with my lingering student loans anyways.

Brings together fans of real estate.

Hello BP Community and thank you for reading my introductory post. My name is Louis Radosevich. I am a lifelong CA resident seeking financial freedom and a new life in the Metro Denver area (moving late Summer 2014...

Which I'm not a huge fan of.

I'm a huge fan of the BP podcast, which is how I found another interesting podcast, Just Start Real Estate with @MikeSimmons See EP 057: Josh Bauerle – CPA and real estate investor http://juststartrealestate.com/page/4

(Open all the windows before you do this and put a fan or two in the doorways to keep the air moving!)

Vegas I'm not a fan of.There is a ton out there.

Detroit has always been one of the riskiest cities but there are people who defend it.A lot of it depends on what your risk comfort level is, how much work do you want to do on a long-distance property, do you want some appreciation potential with it on top of the cash flow, are you a fan of headaches or prefer to avoid them (some markets are better for avoiding them than others), etc.

I think we have some time before prices start heading up in any aggressive way.In fact, I believe we are likely to see another dip between now and the end of 2015.On the mortgage side, I am a big fan of using leverage to buy and then paying it off as quickly as possible.