I'm of course not speculating you were or suggesting you were, I'm just advising you of the type of thought processes that goes into analyzing loss responsibility when lots of money is missing.  

The problem arises in all this speculations of a market crash lately, as well as the fact that the only way I can aquire this house(because of me moving to another state ) with 20% down.

The CFPB came out and issued a statement that said they are not going to hold off or pause foreclosures in 2022.That’s a lot of data to speculate on but it’s also enough to call that values will be forced to take a short due to recent and a larger number of foreclosures coming due.

Me and a buyer are looking at a commercial property in CT (Stonington to be exact) and he is speculating about converting the top floors into residential units.

Bitcoin is speculative, so it is not a cash producing asset.

Usually low inflation is good for stability but wages never keep pace with higher inflation and costs are rising quickly, e.g. gas and food, so, with household income remaining steady, late payments will rise, putting notes in jeopardy.In these times, cash and junk silver are safe, all else are speculative, including gold and real estate.

I own some crypto, but to pretend any crypto asset is anything other than speculative is silly IMO.

We are still planning on using ST bridge financing from lenders who want CMHC business for the assets we plan on using this financing for.Using just the average income numbers posted before almost every 1 bedroom would qualify these buildings for this financing, so I expect that it becomes a lot more in depth, such as % of units of each type below a certain threshold, but that is just my speculation.  

Key features of Denver’s short-term rental laws, rules, and regulations include:All short-term rentals must have a license.Any short-term rental must be the host’s primary residence.All advertisements must display the host’s business license number.All short-term rental hosts must follow rules related to safety, taxes, zoning, and insurance.Hosts who do not follow the rules could be fined, or could lose their license.It sure seems like you’d be risking your primary home and it’s equity on a speculation play.

So I had much rather keep a good current tenant that has proof of being good then to speculate on a new one.