And it seems you now recognize that because you are now willing to loosen your requirements with respect to type of pets.

Even then some have already loosened up when the government finally started buying mortgages again.I also just spoke to a contracting business and an auto body shop and they are swamped, which I've heard from other business owners as well...again in my area.  

during the "boom" times but COVID has loosened everything up and now 5% can be had in Manhattan, 6%-7% in Brooklyn and even 8% in the Bronx.

All are just about operating under the old speakeasy logic, but then people that you see on American Greed unwind the process and rip hundreds of people off, because all the small guys are operating in the shadows under the 508B laws, which creates a lot of closed door transactions that no one learns about till after the fallout. 508C has been promising, I just think it need to be loosened a bit more to allow a little more flexibility in terms of number of deals one can offer, and cooling periods..

loosen up, life is short and its only money...

I dont know if along with that if they are loosening permit restrictions and or speeding up the process/making it more affordable.  

You will now see that with financing for new builds FINALLY loosening up IE HML are doing them for well qualified and banks are doing them etc.. some of your bigger turn key and flippers are now doing new construction.

There are talks that there will be a push to loosen restrictions some with some changes in the Zoning Code to make it easier to add ADUs and do conversions, but we'll see if that works...  

They did add some rules (things like square footage bonuses, etc)  for preserving the existing house when adding additional units, and they loosened or removed parking requirements.   

You want something warm, quiet and near water, but you want it to pay for itself as a rental when you are not there.If the above paragraph is what you want, i would say i think you need to loosen your expectations slightly. 1.