On the other hand not sure how hard money lenders or banks will feel about lending me money or approving me for a HELOC since my credit history is so short. 

That way, I can find out the entire history.

When I was a silent partner in a complex, a guy came in, and he wanted to rent a unit, but he was ashamed to tell me he could not write his name because he had no educated, and I said if you have no evictions or criminal history, and you have income I will rent to you just put an X on the line, and he paid his rent on time.

I explained that I was going to be giving them use of something worth many times what that car was worth; if they wanted the rental unit, their credit history was important enough to the creditor (the landlord - me) to decline them without that credit history.

@Jack Tucker I like the first two at the top , and yes definitely capitalize on the Athens history.

San Antonio has a large and growing population of students and young adults who have no line of credit despite a long standing work history as well as a huge population of military and short-term government contractors.

Sure, there are trends, history, and new developments that can lend to predictions on what areas may appreciate best, but I would rather count hard numbers (income, expenses, vacancies, management, maintenance, debt service, etc) and take appreciation as a bonus.

Welcome to BP @Randull ToeI started when I was 25 at probably the worst time in history to invest (2008).

These are proving equally painful to interface to our software {Honeywell has a long history of being very proprietary}, but they do have a password (actually pincode) protected system/installer mode where you can set floor and ceiling (minimum cooling & maximum heating) temperatures which cannot be overridden by the user.

My husband had been hospitalized for chest pains 2x, my dog was lame and throwing up and my daughter had asthma and allergies.Yes.