One of the factors: easy-access resources like oil reserves just a few feet under the surface are gone.

I would make sure with your loan against the rental house that the rent will still cover all the expenses, including the new mortgage, taxes, insurance, and a maintenance reserve.  

One, I have enough money to cover a downpayment + reserves for future expenses for the property.

I don’t have to pay anything, all debt denominated in dollars is illegal since the Federal Reserve no longer back the currency with gold.

Yes they're inquiries, not reservation requests.

. - have lots of cash reserves.

Do you have reserves or money set aside?

This is a portfolio loan offered by local credit unions where you can buy up to 5 pure investment properties with as little as 5% down if you qualify, which you do have to qualify still with DTI, credit, reserve requirements, etc.There are different credit union options that would be best to connect with based on where you are investing and your situation, so that is why it's important to connect with our team to guide you on the right path on where to apply so you are not wasting your time and having multiple unnecessary credit pulls.

Judicious use of leverage (debt) when the property will still cash flow positive after debt service; when there’s enough equity left in the property to refinance if advantageous, and when sufficient reserves are held to cover vacancies, recessions, and unexpected repairs5.

Many of them don't have a lot of cash reserves if they're paying high mortgage, rent, have children etc.