Unfortunately, my home in MD, unless rates drop and I can refinance, is not going to make for a good rental.

Until Powell drops those rates people aren’t gonna move.

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Is that annual amount based on the set/existing depreciation schedule from 2019 when it dropped off? 

We would have to come oop about 400-450 for 2nd HH.Also planing to use other rest of heloc for a dscr or brrr so that would possibly help as well.Would you wait until rates drop to do another HH and just buy the brrr/dscr now?

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In fact, it reduces the amount of compliance to previously lower levels, meaning, there is far more than just paperwork involved that's dropped.

This is great news!

Such borrowers are risky because they might not be able to make payments if their income drops or expenses rise."

What I do think and this is just my 2 cent opinion is I do not think we will see steep drops, I think we will see some softening in areas over the next few years where we do not get appreciation - which with inflation still going strong will essentially lead to pricing staying the same / lowering slightly between now and 2027ish which with cost of dollar not going as far will be essentially the same as salaries etc. catching up to home prices.Hope that makes sense.