Todd Pultz

Florida is different than Ohio.

And in the Midwest, it's a different market, right?

And in the Midwest, it's a different market, right?

So when you guys see some of the social media or politics or the news,

So when you guys see some of the social media or politics or the news,

that talks about some type of crazy thing that's going on in our housing market.

that talks about some type of crazy thing that's going on in our housing market.

We don't feel it the same way in the Midwest, right?

We don't feel it the same way in the Midwest, right?

So when you have a high peak in California or you have a very low, low, low valley somewhere, like the Midwest still kind of stays somewhere in the middle, right?

So when you have a high peak in California where you have a very low, low, low valley somewhere,

like the Midwest still kind of stays somewhere in the middle, right?

Like it just kind of rides in the middle.

Like it just kind of rides in the middle.

So we're not going to feel it the most.

So we're not going to feel it the most.

So in our area in the Midwest, as long as we're not over leveraged and by over leveraged for us, for me, it's 70, 75%.

So in our area in the Midwest, as long as we're not over leveraged and by over leveraged for us, for me, it's 70, 75%.

The worst decline in the housing market in our country's history would never allow me to be over leveraged.

The worst decline in the housing market in our country's history would never allow me to be over averaged.