A private money lender or (individual offering hard money loans) may work out of their house on the side and have nothing but their gut and an excel spreadsheet they've built... this is a lot less overhead and they can afford to charge less interest.On the flip side... individual lenders' underwriting of deals can be unpredictable, irrational, and erratic since many times they don't have proven and established guidelines and procedures for lending and evaluating properties... and their available capital can be undependable... both of these can be frustrating to borrowers.Originally posted by @Jeff Rabinowitz:Organizations do not necessarily have more experience than individuals--brand spanking new companies with no experience whatsoever may form at any time.You're absolutely right on this... that's why before using or partnering with an HML you should make sure that they have the experience/expertise that will make it worth your while to borrow from them or partner with them.

The oil fields are so cyclical and unpredictable that I knew I would be laid off for more than a 6-month period before I reached that 6 years, so I didn't even bother with their 401k.

Recently there have been some pretty big global political events (brexit, Trump) and lots of potential unpredictable moves by Russia, china, Middle East that could send currencies or trade on wild swings.

Their point is: airbnb income is unpredictable and unstable due to changing regulations.

They're unpredictable.

Or,"F#$% your entitlement"Just have to know your audience and pick the right one.Our tenants understand incremental rent increases because we constantly make small adjustments to maintain the correct position in the market instead of unpredictable stagnant and then large increases.

A DIYer asking advice from a Home Depot employee is the same thing as a trade professional asking advice from a DIYer, the results are going to be highly variable and highly unpredictable.

Less Competition - High-interest rates and market uncertainty may deter some flippers, reducing competition for distressed propertiesMarket Demand - In some areas, there remains strong demand for renovated, move-in-ready homes.Price Negotiation - Sellers of distressed properties may be more willing to negotiate in a high-interest rate environment.Cons:High Carrying Costs - High-interest rates increase the cost of borrowing, which raises your holding costs (interest payments, taxes, insurance, utilities).Market Volatility - Real estate markets can be unpredictable, and high-interest rates may lead to slower home sales and declining prices in some areas.Renovation Risks - Unexpected renovation costs and delays are common risks in any market, and high-interest rates exacerbate the financial impact of these issues.Financing Challenges - Securing financing for both the purchase and renovation can be more difficult and expensive in a high-interest rate environment.Mitigation Strategies:Thorough Market ResearchAccurate BudgetingEfficient Project ManagementFlexible FinancingExit StrategyFixing and flipping properties in today's market can still be profitable if approached with caution and thorough preparation.

So what your saying or should I say what Elon is saying there would be such a decline in human population that will run the RE sector to unpredictable lows, which is impossible and if RE was ran by that the government would just ease immigration and add more to the number.

To me, the market is always unpredictable, yet by acquiring the right investments and doing proper due diligence and research, one would never lose in the long term.