Pierce Eislen has good rent and sale data, contact information for comparables, and other market level data.QuickFacts is a great free data source for population changes, household size, median income, renter percentage, et al.

Our house hold income is only 90k with my wife making more than me.

Social Security income should not change other than tiny annual cost of living adjustments (increases).

.• I discovered that moving from my college town to the tiny town i now work in for my career is saving me tons of money.

Are you ok with felons or sex offenders living in your household?

- currently on podcast episode 34, but the question about what to do as a 23 year old recent college grad from the fire round on episode 26 with Chris Clothier practically spoke to me- studying for my Illinois broker's license and hoping to have that next month- holding zero real estate experience besides some administrative/marketing assistance I performed in the tiny college market of Tuscaloosa, AL during my last year at UA; and- working hourly, living with family, and building my credit to eventually take the leap of faith into a real estate career.My goals:- get licensed/educated- network- pay my dues to the real estate gods by finding an agent or investor to work for in the afternoons and on the weekends- sell real estate and flip commissions into passive $- retire at 50 with bigger pockets, a beach parcel, and a good bookA few topics I am interested in learning about:- macro analysis of local markets- how to add value to the acquisition and selling phases of various real estate investing niches- how to win with the purchase-estimating rehab costs- screening tenants and managing managersFavorite (audio)books:- Meditations, by Marcus AureliusNarrated by Duncan Steen- The Old Man and the Sea, by Ernest HemingwayNarrated by Donald Sutherland- Hitchhikers Guide to the Galaxy, by Douglas AdamsI am posting this right before work so I might not respond until 11 or 3

>Income rates are a little lower here,House hold income in Minneapolis is much higher than San Diego. 

I'm in Washington state, so you can't use this as is, but here is an example from our crime free addendum, which came out of a partnership with our local police:Crime Free Rental Agreement AddendumFor the premises identified in the rental agreement, Landlord and Tenant agree as follows: Tenant, any members of the tenant's household or a guest or other persons affiliated with the tenant:1.Shall not engage in criminal activity, including drug-related criminal activity, on or near the said premises.

Try to reduce or eliminate household expenses that are not necessary.Second, I would focus on consolidating high interest debt maybe to a 0% balance transfer card.  

I've seen some distressed properties paying out 0.5% to 1% so negotiating the list side in advance can backfire if the buy side is tiny to nothing.But at the end of the day, everything is negotiable.