The intoxicated ones will defend their opinions by just repeating themselves in a louder voice and aren't in any mood to learn since they already know the topic.Wholesaling is where many begin, it takes no money, no credit, no job and it's thought to require little knowledge, they drank the spiked Kool-Aid and started 4 hours ago.

Denver rent prices have been on the rise the entire time in a consistence cadence, and reflecting possible RE bubbles and deflation periods of the early 80's (high inflation), late 80's (Savings and Loan crisis), early 90's (Resolution Trust, massive REO's) and the 2007-2008 financial debacle, there were no unusual spikes reported in monthly rental cost (per unit) as a lagging factor of these activities.What the report does show is that rents have been strong and rising consistently in an orderly fashion through all of these RE bubble periods (which is what we would expect as the rental prices are keeping pace and somewhat tracking upwards with inflation).  

Or were you more just saying that the stakes are higher for you, the borrower, in scenario B, than they would be in scenario A because the interest rate will spike so high (as opposed to hard money)?

Deregulation of F&D will definitely free up lending and spike the economy for sure. 

I'm from northern VA and my market is overpriced and the amplification was felt when Amazon announced it would make its 2nd HQ in my area, causing prices to spike.

However, I found out that it needs lots of cash for the down payment here (10% at least for the resident, 35% at least for the non-resident), and also the price in Toronto is spiking all the time.

I emphasize sticking to your standards, not bending to the spikes in the market but digging through them to find what you want. 

Competition is already spiking in the area.  

Electric can also spike in the summer with A/C.

Insurance can spike, causing your NOI to fall dramatically.Anyway... hopefully I made it clear this time!