In Atlanta we have a good market, it has been touched by the national crisis but I believe it is still a good place to buy. Using a Top Producing Realtor who is up to their neck in today's challenges is a must to help you wade through the myriad of options. Below are two guys maybe critics would say are joined at the hip but who have a lot of real estate and wealth building experience.

Due Diligence is key, check out not just the physical aspects of the property but the business model you want to adopt and the chance of return in the area you buy. Auction and Bank owned properties are mostly move in ready and new construction, these do not last long.

I am sure these guys would say do your homework, buy low and negotiate, all qualities of a good Realtor who truly knows their market and represents their client. So is it a good time to buy where you are?

"This is a great time to buy. Now is the time to start looking, and start buying. Over the course of the next year, this is going to be the time to buy. If you don't do it, you are going to be very, very dissapointed in the years to come. This is the bottom of the market. It may go down a little, or it may not, but this is about the bottom of the market."

Robert Kiyosaki, author of "Rich Dad, Poor Dad," one of the best-selling personal finance books.Yes the waters are rocky, the mortgages may be harder to come by, but particularly if you're interested in buying rental properties with an eye toward becoming a bit of a mogul yourself, Kiyosaki says now is as good a time as any.

The stats seem to bear him out. Home prices fell 1.7 percent in the third quarter of this year, according to the S&P Case/Shiller Home Price Index and many experts, including Kiyosaki, are predicting a continued decline. He says to people like him and Donald Trump, his co-author on a volume called "Why We Want You To Be Rich," (Rich Press) the fact that prices are going to plummet even further is good news: It makes buying even more lucrative.