After attending one of his introductory seminars, my interest in real estate was heightened, I read every book I could on real estate and joined the local RAND Club, which eventually joined with another club to for the RICH club in Houston Texas (still one of the most successful clubs with over 1000 members.

Net debtor as a result of borrowing is a large hedge against dollar deflation due to unsound fiscal policy in this country which I believe will inevitably lead to heightened inflation and low real borrowing costs because inflation tax stealing is easier than confiscation of income by the government3.

I was just hoping to inject some rationality into things.My prediction is for heightened inflation when the banks finally turn loose of some money.

That heightens the interest of the "professional", as it threatens almost everything near and dear to a professional criminal.Oddly enough, when the gov't does a refi of 30MM to 38MM just to get an additional 8MM they didn't need, then WE get to pay higher interest on the total new bond, folks get kinda testy when some idiot points it out in a few public meetings.

Heightened rates will greatly increase the likelihood of lenders calling notes.

The point of the story is however that if I had not taken that step, to at least go to that seminar, I probably could not have gained the heightened interest in getting into this market.

Conventional lenders are more strict on income now than any time before with the heightened due diligence in the Covid era. 

Downtown has seen heightened interest in recent years because Westside rates pre-crisis were peaking.

Even more if there is a second floor.But if the ceilings are habitable, but low, 7-8ft tall everywhere, I do not know of a situation that would make it worth trying to heighten them if the height is determined by structural components. 

As the coronavirus outbreak became a heightened concern, many sellers also pulled their homes from the market (fearing infection), further restricting supply and making price drops less likely.