If you still have time you could rent it for a year, pay down the principle and then sell it for more than 55k if it keeps appreciating.That's another factor, is it in an appreciating or depreciating neighborhood?

The lots are directly off Hwy 281 in a quiet older neighborhood with a median home price of around $150k. 

Be persistent and creative with your search and I know you can find what you're looking for—feel free to message me if you are stuck and need some ideas.

I tried to do a quick search for it on the forums but couldn't find it...

I also got the downloaded book and it's a PDF file so I can search for keywords in the text.

The search tool can help you narrow down the field quite a bit.XY Planning Network has a similar feature, although I think there is significant overlap between the two tools (nearly all XYPN advisors are also NAPFA members).Best of Luck on Your Financial Journey! 

Don't know how long you've been away from The Land but The Ultimate Guide to Grading Cleveland Neighborhoods is always a good market refresher so you may wanna give that a read.Got any good Bill Belichick stories?

@Madeline Jary - a lot of answers to your questions are in the forums and blog posts so I highly recommend searching those and listening to BP podcasts. 

The other day, I was driving to MIL's house to drop off the kiddies, and there it was...the worst house in the best neighborhood that you always hear about. 

My properties are concentrated around Gravios park, but I'm looking to expand into better class neighborhoods.