I don't have much of a choice in NJ.

I want to make the right choice!

@Hunter Phillips yeah now is probably a pretty decent time to buy a primary as you will face very little competition from other owner occupants and many primary residence choices don't make great investments so you might not have much competition there either. 

You'll want to weigh these alternatives and pros/cons before making a decision.

Each appraiser actively working in the mortgage industry currently is therefore a) ignorant of the laws governing the profession - an act prohibited under USPAP or b) dishonest or c) both or d) doing the best they can while they suffer injustice and an impossible choice. 

If the virus continues to escalate we have two choices.  

in Nashville we are starting to feel the start of the imminent/current market correction. more inventory on the market, including some choice Nashvegas STRs, plus the decreasing property values is putting smart investors in a choice buying position. do you see this taking place in your local market? 

Alternatively, if you think that are better opportunities in South Florida, commercial or residential, what would you suggest looking at and where?

Julie would also be a great choice.

The market and asset class will determine vacancy rates so depending on the asset class, tenant profile, and location will determine vacancy.The more reserves you have the better you will sleep at night. 1 year of reserves is a great number and a rational choice unless you are forced to increase your reserve balance from an agency lender.