Hi Ivor,Thanks for your message i read some books about real estate investing en try to educate myself i am more looking for buy and hold appartement deals you are right there is a short in housing market in the randstad specific and ask are growing although i went to visit a couple appartement in amstelveen the real estate agent told me that they are less vistors with the corona i think the interest rate wil go up but not heavily because everyone is used at the low interest rate if you move this up heavily people can not manage this.i read the book what every real estate investor needs to know about cashflow real recommendation i created a tool in excel to calculate my purchase price simalir  to the bp calculator but in less dept but on funda and other website i cant find any deal that fits my profile.very nice to meet you maybe i can give you my number and you can call me meeting would be difficult at this time :p

FWIW I am investing heavily in the market right now - my employer's 401k and match, I fully fund my HSA account (google it, commonly used as another 401k type resource), and send weekly automated investments to Vanguard VTSAX in my taxable account (which I could pull anytime to use for RE if I wanted, after paying capital gains tax on it).

@Keenan Rusk Having a long term outlook is smart but any strategy heavily dependent on hard money, raising ARVs or requiring some sort of refinance right now should definitely be scrutinized. 

The problem I have with Podio is you do have to invest heavily in the initial customizations. 

It also gives us anti-vaxxers who ignore all science and simply spout heavily discredited stuff they read on websites that have no scientific validity. 

The Zoning board would also most probably be required to hold a public hearing regarding the matter with the surrounding neighborhood, and a negative reaction by a organized neighborhood Association could heavily influence the zoning decision 4.

I'm actually working pretty heavily with them.

The way the market is right now, I'm leaning heavily into flipping, just my 2-cents.

I am heavily into RE with a small amount in stocks-smaller now and lots of cash.

Sometimes even within a given subdivision, there will be large swings from one side to the other.If you already have a property manager lined up, you should rely heavily on their insight.