I was hearing the same issue about affordability for decades including 2012 to 2021 when statistically the affordability was near the lowest for the previous 50 years.  

If you're taking a portfolio view, where you're determining Expected Loss and probabilities, AI is probably useful in data analysis and extraction for statistical purposes.

Transitioning from a career in teaching to full-time real estate and entrepreneurship is a bold but thoughtful move, especially given your desire to prioritize your family and create more flexibility.

That is miserable statistics, "hokie pokie hurray, I sold my grandmother's house"."

I’ve performed a rather “loose” statistical analysis to see where I built wealth in my 45 years investing in real estate, notes, etc. and I believe I earned 40% of my net worth resulting from plain old investing and 60% by opportunistic investing.  

Lol, as my statistics prof said "There are lies, damn lies and statistics". 

So, if you’re borrowing at a fixed 12%, and the ROI is 14%, and you require a risk premium of 5%, you have a losing investment over a statistically verifiable number of investments.

Check out job growth — sites like the Bureau of Labor Statistics, or just see if new companies are moving into an area (tech hubs, Amazon warehouses, stuff like that).Research average home prices vs. average rents.

The bolded was the complaint of the lenders with the master insurance policy:(1) Deductible exceeds 5% of the coverage limit.

Thanks so much for your questions and here are my answers in bold.1.