Just wondering how you feel about the unique challenges NOLA has relative to economy & climate change (insurance), population decline.  

Phase #1 - Recovery  - characterized by high vacancy rates and no new construction- rent, during this phase, is flat or declining- owners offer rent concessions to avoid their property occupancy rate from  decliningPhase #2 - Expansions- characterized by declining vacancy and the start of new construction- occupancy improves, concessions are not being offered, and rental rates being to growPhase #3 - Hyper Supply - characterized by new construction and vacancy rates beginning to rise - rental rates begin to grow at a slow rate- rent concession are being offerred due to the new construction in the area [in the hope of retaining current renters]Phase #4 - Recession - characterized by the completion of construction and a decline in occupancy rates - concessions are abundant to avoid high move-out rates Here are some foundational truths about optimizing your investments:#1 sow seeds of success in the down times - "The season of failure is the best time for sowing seeds of success."

Lenders have different loan capacity at any point in time; they might not announce that they aren’t making a certain type of loan right when you need it; they’ll take your application but either delay you to death or find an obscure reason to decline the loan4.

Located in HornLake, MS – I'm a bit concerned about declining population and overall economic driversHey Markus!

I would decline if they have trouble answering the longer term question and it would probably be for their own good.

She is insistent on my providing her all of my information so she can verify my information, of which I decline to do but tell her that FL is pretty transparent (unless I have a land trust which I do not) and if she decides to be judge and jury to everyone she should figure out how to actually research appropriately.  

It would be ideal to get some sort of large study done on this.Furthermore, if you sold in a buyer's market, your thought may be skewed.If your portfolio was in a market that was declining in value.I am not saying that the above situations applied to you but it would be good to get a large study on this.Furthermore, if we are talking about more expensive homes being a better investment?

Cash flowing at 5% down was possible about 3 years ago—but that ship may have since sailed.Now, you’re left with two options: you can either pony up more cash per deal, or you can potentially look out of state for markets with more favorable rent-to-price ratios.Or…you can wait for rates to decline, but I don’t know how much a 100 or 150 basis point rate cut in the next year will really move the needle.That said, some firms (usually new construction companies, turnkey providers, etc.) will enter into forward commitments with lenders at institutional rates and then pass cost interest rate savings onto end buyers to entice them to purchase a property.

I live in North Georgia and a few people have said the town in general has declined since the casino was built but I figured that would draw more interest and the numbers still look pretty good.

In cities with significant and sustained population growth, rents and prices will rise faster than inflation, enabling financial freedom.Conversely, rents and prices rise slowly in cities with static or declining populations because the current housing inventory is sufficient.