Sorry but it sounds like you need some tough love. You DON’T buy 1-bedroom condos ever, paricularly in a real esate downturn. These are the worst investments you could ever make and everybody knows it. Second, DON’T buy a apartment conversion. If you want to live in an apartment then rent one. Finally, you have to be a complete idiot to buy any real estate as our economy is on the verge of total collapse. Get your head out of your *ss