Just wondering how you feel about the unique challenges NOLA has relative to economy & climate change (insurance), population decline.  

Couldn't banks call loans with low rates due and lend the money to new buyers at higher rates, all while collecting new origination fees, boosting revenues which are declining, and making more money?  

I think anything held over ten years for the most part, if bought even decently, should turn around, but too few investors are an top of their declining investments. 29 separate doors is a lot to manage.

At first he wanted to do an informal Letter of Agreement, but I declined.

Phase #1 - Recovery  - characterized by high vacancy rates and no new construction- rent, during this phase, is flat or declining- owners offer rent concessions to avoid their property occupancy rate from  decliningPhase #2 - Expansions- characterized by declining vacancy and the start of new construction- occupancy improves, concessions are not being offered, and rental rates being to growPhase #3 - Hyper Supply - characterized by new construction and vacancy rates beginning to rise - rental rates begin to grow at a slow rate- rent concession are being offerred due to the new construction in the area [in the hope of retaining current renters]Phase #4 - Recession - characterized by the completion of construction and a decline in occupancy rates - concessions are abundant to avoid high move-out rates Here are some foundational truths about optimizing your investments:#1 sow seeds of success in the down times - "The season of failure is the best time for sowing seeds of success."

Located in HornLake, MS – I'm a bit concerned about declining population and overall economic driversHey Markus!

I would decline if they have trouble answering the longer term question and it would probably be for their own good.

Lenders have different loan capacity at any point in time; they might not announce that they aren’t making a certain type of loan right when you need it; they’ll take your application but either delay you to death or find an obscure reason to decline the loan4.

Never buy in a market that is in a population decline. 

She is insistent on my providing her all of my information so she can verify my information, of which I decline to do but tell her that FL is pretty transparent (unless I have a land trust which I do not) and if she decides to be judge and jury to everyone she should figure out how to actually research appropriately.