The FDIC and many state regulatory agencies will require the lender to substantiate a global portfolio freeze based on value.In the past, I've frozen my entire portfolio but I was able to document that, on a global basis, values had decreased in excess of 50% from origination value.

The purpose was to decrease the number of poorly maintained properties.

So, if you can increase the rents by adding value (renovating to increase rents or decreasing the expenses), you will force appreciation and increase the property value.So, you want to purchase multifamily properties that are under-rented, outdated, and are spending too much on expenses.

For example, how do you decrease the liability in the case of fire?

Would it make more sense to purchase property to AirBnb (approximately $325.00/night) and have the $1,500.00/month mortgage or to pay off our existing house to decrease interest paid over the course of the loan? 

If China buys more notes, it floods the market with dollars, creating inflation and…you guessed it, Fed increases rates.If you are a long-term real estate investor, rate increases are GOOD If rate increases, mortgage rates go up as well, making it harder for buyers to pay for homesIf rate increases, homeowners that have a low mortgage rate will be reluctant to move from their current homeFewer sellers and more buyers not affording a home lead to an increase in rental demand, driving rent amounts up and decreasing the time to find tenants for your rental properties.When fools money rushes out, smart money comes in!

We’re honestly not even looking for cash flow but just want to decrease our expenses so that we could save up money quicker.

Especially as we go into a winter session where sales start to slow down and purchase prices decrease.

Then the retire older and more experienced Police Officers, then Teachers.So, you would expect more burned out vacant buildings, increase in crime and decrease in the quality of schools in neighborhoods that cannot make corrective measures.

The point I am trying to make is that leverage can increase your returns but as you pay back principal you're leverage decreases.