Good news is the rates on these products have dropped dramatically in the last 3 months.  

Expense ratios vary dramatically depending on project size, age and other factors, but basic rule of thumb is the smaller the project the higher the expense ratio's, using a 33% expense ratio for a small facility (less than 150 units) is optimistic, smaller facilities are probably closer to 40%.

He bought quality stocks and never sold them (never being a dramatization, as I'm sure he sold things over time when it made sense and was accompanied by a specific strategy of reinvestment).

Theresa not really accurate.. see my answer above things in the title and escrow world have changed dramatically in the last 10 years or so..

Proper HOA Reserve Funding will determine whether or not your fees make a dramatic increase or a Special Assessment is levied in the near future, both of which will immediately, and negatively, affect your investment planning.

Rate cuts could spur inflation again, which I think most people who go to the grocery store etc. really do not think its getting that much better and home prices are not falling dramatically. 

In addition, much of the dramatic catastrophic effects that were highlights can absolutely be avoided by using a real estate attorney.

The media often tries to dramatize things and there is a lot of anti-landlord narrative out there, maybe that's where the 8% comes from?

To your questions though, my clients have not experienced the dramatic loss of negotiating ability that you have illustrated.

Renters are increasingly claiming mold is killing them, but it's dramatically exaggerated.3.