This recovery is getting very long-in-the-tooth and with so many segments of our economy overheated, there is a very good chance of an adjustment.During the last crisis I worked for the FDIC closing and resolving failed banks.

I am a mediator in MA small claims court, have seen a number of landlord tenant issues where people routinely use attorneys and magistrates allow for fee recovery.

They will lower minimum payments based on income and stop payments based on loss of employment but they will always be there (now with accumulated interest) to prevent real recovery when someone is back on their feet.

Now, I switched to Gmail and purchased a software for about $29 from a company called Gmail Backup Wizard by Recovery Tools and it transfers all my emails to my computer and will delete them from Gmail at the same time if you want to delete them.

Not sure if he can still do his job or the amount of time for recovery.

I rode the wave of recovery as strong population and job growth brought stability to house pricing and rental income growth.

I will admit that I have been skeptical about how quickly any recovery would be.

Never paid. called from hospital, said they sent check (Never came), said they would have a delayed recovery but gave no dates.Now 2 months past, no rents, all utilities are delinquent. 

Let's do the math:A  100k all cashCost to REI = 100k# of Properties = 1Total Property Value = 100kCash Flow = 10k/yrYears to recovery of cost = 10Profit during first 10 years = 0B 20% Down (20k)Cost to REI = 20k/property# of Properties = 5Total Property Value = 100k/property; 500k TotalCash Flow = 5k/yr per property; 25k/yr totalYears to recovery of cost = 4Profit during first 10 years = 150k (profit starts in year 5)It gets better, and better, when you calculate appreciation, and adding properties using the CF. 

His name is Matthew Merenoff from Real Estate Recovery Group.