@Jason BobbyThe gap is tightening. 

We might see a massive default wave starting August, while the lending market is tightening up.

From what I’ve heard, lenders are tightening up their guidelines because of the uncertainty that is to come, and without a w2 job it might be very difficult for you to purchase.

Lending standards are tightening big time and there’s no way you won’t have to jump through flaming hoops to ever find a way in the current market!

I’m not saying prices are going to crash but there is going to be some pressure.With the stock market falling and people losing their jobs, this can cause people to tighten up their purse strings.

Your requirements are the gold standard.Just to clarify by what I meant by change is that I have been hearing is that landlords/property managers are tightening  their requirements.

Plus, most all the HML's I know have tightened things up a bit due to coviid.

We know the old measure of 2 quarters of negative GPD, but really...I did some moderate belt-tightening the past 6'ish months, as did most others I know.

Just as we've witnessed in the past year or so, catastrophic storms, market uncertainty, economic issues, inflation, tightening reinsurance markets, etc. can all have a significant impact on a carrier’s rates and how they approach the renewal of "every" policy they write .  

However, we still have a declining economy and people may tighten their purse strings if things don't turn around soon.On top of that, our government may choose to "fix" problems with more rent regulations.You can make money in any market.