Just to summarize the chain of events, There was reckless lending, housing over supply, stock market crash, layoffs, record high unemployment, high foreclosure rate and this went on for years. 

Layoffs from high tech, homeless or squatters abound.

I feel there will be a big push to go back to the office over next few years as we have more and more layoffs, and we'll see a rebalance of areas like this with more activity. 

@Sam ShuehEven in the are I am in where it's very industrial and there have been very little layoffs?

Originally posted by @Sachin Amin:@Christopher B. totally agree with your opinion and I believe in REI too - what I am trying to say is "Diversify" REI on its own will not create wealth for you - in my case I started(2015) with 100K in REI and 100K in Stocks in  (Robinhood self managed) - also depends I am a hands off Investor (mostly Turnkey) as I have a full time jobMy returns are average or REI  but great on stocks "so far" and that might change may be in next 5 yrs , that doesn't mean I am going to quit REI - they both have pros and cons.

I'm a worried the folks up top will bring back the moratorium during layoffs.

If you are hurting and are in financial trouble apply, but there are millions of business out there that need these funds and the idea that some might just want to take the funds cause its available could mean that the local restaurant misses out, or the local toy store fails cause they didn’t get the funds because they ran out, or the mom and pop hardware store has to lay off their employees for good.

Houston, Texas  : We aren't feeling the pain just yet so let the upstream layoffs finish by January/Feb and we shall see.  21.

They are scared if all these hiring freezes will turned to layoffs. 

Better check out Robinhood :)