The goal is to determine whether the government accurately adjusts DoD Basic Allowance for Housing (BAH) rates and to develop a predictive model to calculate possible future BAH rates for specific locations.We have pulled rental data from Zillow and historical BAH rates from the DoD.

Speaking from the Arizona perspective, we are experiencing continued growth, attracting lots of new residents (Californians choose Texas and Arizona as their top 2 places to move).Here's an economic forecast:https://www.azcentral.com/story/money/business/economy/2019/12/11/arizona-state-university-annual-economic-forecast-predicts-slower-growth/4398074002/Not sure where you are getting your "low rent" thoughts, maybe compared to CA.

It's not quite the same, but it's actually better because we don't waste time drinking beers and shooting the breeze about football or cars.

I think one of the biggest risks you face with Cash Out is interest rate risk.It's really difficult to predict where interest rates will be in a 2-5 year time period, so it can also be challenging to model out future mortgage rates.

Did Covid teach you anything about predictability?

I did not use my own money, it was borrowed and it will be paid back in 1.5 months vs the 5.5 months predicted by Tardus (because, again, I am conservative in all my calculations, including my current cash flow). 

so to build a strategy relying on heloc money involves a certain amount of risk in the 09 to 2011 time frame I bailed out flipper after flipper who had their heloc frozen were half way through projects and could not finish them.Not predicting this but its something to be aware of. 

As soon as there's no federal bailout for building in known and predictable disaster areas, either insurance will be priced to risk or people won't be able to get it at all and will have to be self insured for that risk.

It can be difficult to provide any predictive info (while scrambling in reaction to a worldwide pandemic), but at least a status update is always good.

Did Covid teach you anything about predictability?