It can be true that when downturn happens banks tighten loan terms.

law has tightened last year. note for note but not into a real property. 

These are not your average ambulance chasers; these are the guys that cause tightened sphincters for the General Counsel at major corporations, banks, and institutions....

Where can I tighten some figures up?

He busted his *** to complete on time (we had to move out for closing of old office location on specific date), but strained our relationship (now since restored).

We've changed our focus and will now be tightening our wallets and putting away cash. 

Your debt to income is going to get more leveraged, your credit score may take a hit, and as the markets continue to tighten, I think it's going to be difficult to get reasonable rates on a new rental property every year.As some other folks have pointed out, I'd look more towards multi-units.

There's definitely some tightening up of the budget that could be done (looking specifically at groceries).

In the past year or so, they've really tightened up their criteria for outside investors given the large influx of new money.

The government and D.C. makes sense because it's the most constant pour you can get as long as you can pay to play (an Uncle Eric reference there).I can also tell you that not only finding cleared people has been a strain on Amazon here in Seattle.