A combination of drying up funding, high stock evaluations, historically low interest rates, debt per households, etc. lead me to believe a sharp decline is upon us in this decade.

Is there household formation? 

I’m currently in a household with a very toxic environment, but my eyes are still on the prize and I promised myself to become successful.

Here are some code excerpts:31-17-1 (M) "Primary mortgage loan" means any loan primarily for personal, family or household use that is secured by a mortgage, deed of trust or other equivalent consensual security interest on a dwelling as defined in Section 103(w) of the Truth in Lending Act or residential real estate upon which is constructed or intended to be constructed a dwelling;31-17-8(M)(4)(4) Require the borrower to pay, in addition to any periodic interest, combined fees, compensation or points of any kind to the lender and broker to arrange, originate, evaluate, maintain or service a loan secured by any encumbrance on residential property that exceed, in the aggregate, six percent of the loan amount financed, including any yield spread premium paid by the lender to the broker: Provided, That reasonable closing costs, as defined in section one hundred two, article one, chapter forty-six-a of this code, payable to unrelated third parties may not be included within this limitation: Provided, however, That no yield spread premium is permitted for any loan for which the annual percentage rate exceeds eighteen percent per year on the unpaid balance of the amount financed: Provided further, That if no yield spread premium is charged, the aggregate of fees, compensation or points can be no greater than five percent of the loan amount financed.

. $32KMedian Household Income: Denver $79K vs.

My rental criteria reads that "the monthly household income must be three times the monthly rent and must be verifiable".  

I own a duplex right outside of city limits - LOVE the Brickwall Tavern in town - if you've never been, do yourself a favor...First, let me share my "demands" that have served me well through about 3 years of renting my duplex right there in Burlington:Applicant must have current photo identification and a valid social security number.Applicant's monthly household income must exceed three times the rent.

It isn’t exactly a household name but I’m new, I’m cautious, and they talk a good game but because they’re not common I’m suspicious.

For those of you that have received all of your rent the last 2 months count yourself lucky.The National Multifamily Housing Council (NMHC) reported last week a 12% decrease in multifamily households who paid rent through April 5.

With that said, below are some metrics I would focus on:Population GrowthJob GrowthMedian Household Income GrowthHousehold FormationJob DiversityNo New Supply Imbalances relative to current inventoryIn general, the Midwest is recognized as a strong cash flow market (but it is NOT risk free) with good deals in Ohio, Indiana, Missouri, Minnesota, etc.