I don't know about where you are, but in my world there are A LOT of Boomers sleeping with the phone on near the bed in case their teenage/young adult children have a need.

Almost 50% of school children getting free and reduced lunch.What Demographics would you consider B versus C?

In addition to being an excellent choice for families with school-aged children, this neighborhood is also a very good choice for highly educated executives, urban sophisticates and college students."  

(d) A lender may not exercise its option pursuant to a due-on-sale clause upon--, (1) the creation of a lien or other encumbrance subordinate to the lender's security instrument which does not relate to a transfer of rights of occupancy in the property; (2) the creation of a purchase money security interest for household appliances; (3) a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety; (4) the granting of a leasehold interest of three years or less not containing an option to purchase; (5) a transfer to a relative resulting from the death of a borrower; (6) a transfer where the spouse or children of the borrower become an owner of the property; (7) a transfer resulting from a decree of a dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property; (8) a transfer into an inter vivos trust in which the borrower is and remains a beneficiary and which does not relate to a transfer of rights of occupancy in the property; or (9) any other transfer or disposition described in regulations prescribed by the Federal Home Loan Bank Board.

They had young children too.

At the time I had four children and would later have two more children.

"We have a large portion of the country that are not educated" reminds me of "Is our children learning?"

Some people want to deny children health care for what ever reason.

If 50% of American kids are going to be on food stamps at some point in their childhood, why not just encourage half of the country's parents to abort their children...then we won't have anyone on food stamps!!!

I only invest in IL and in the Chicago west suburbs because that is where I've lived and raised my children.