I'm consuming as much information as I can about this market to make the best decision.

That takes training and costs a modest amount to learn.The other way is a bit more work, doesn't make as much return and doesn't cost money.

This negative equity consumes the initial cash flow for years.The average rent for a1 BR apartment is $1500, but this is new, etc so we will use $1800/month.Using 50% rule (50% expense ratio), if there was no mortgage the cash flow would be $900.  

I have had to do it once- not cheap and very time consuming.

the quotes I am getting from a new insurer are significantly higher than what I was paying before.Fortunately my properties have great loans and my cash flow, while modest for the property value, is enough that I can live the life I want.  

Consumers spend what they have, they kept spending, borrowed more.

Try using a modest number like 2 to 3 percent so you do not talk yourself into something that is too risky.Having to put 20 percent down doesn’t mean you are off track.

While you finish college and get a job focus on building your credit, saving up money (hustling and working) and avoid consumer debt.

It can be time consuming & tedious but it works for me & is a breeze come tax season or when we need to pull info quickly.

If values drop a more modest 12.5% HALF your equity is wiped out.