Hi Everyone, Hope you all are safe and healthy.

In my area, the population gorwth, job growth and HI ratios still look very healthy.

To your point in most parts of UT there is healthy demand and so rents should not drop.

I am finally at a healthy place.  

Obviously, there is no "correct" answer here, but I figure this is the best place to get a healthy array of opinions on the topic!

No appraisal, strictly an approximation based on comps.Between my wife’s student loans, a car note, and hospital bills (healthy child-birth) there is approximately $60k in debts.AZ house note: $209kCurrent rate: 2.35% VA IRRRLCash flow: $200/ monthApproximate AZ Value- $325k (guestimation)$60k debt: $1,700/month expenses Should we consider a conventional cash-out to clear some of the debts?

His health is failing him.

Marcus - I think it is not only healthy, but very necessary, to allow politics into our discussions.

COC is that same here as it is on the moon, but you are correct...the odds of finding healthy returns in your area are slim...there is a lot to learn and its all relative...my good deal is not necessarily your good deal...I think people that invest for cash flow are playing a fools game because I invest for long-term equity.

In the Northern Worcester County Market, younger investors have a lot more time to gain appreciation while enjoying healthy cash flow.