It's also the most volatile product, and that'll usually attract the most attention.

They have a little higher gains (a lot more volatility) but a syndicator who is willing to put you in a deal with more than 10-20% of your net worth is asking for trouble.

So need to be aware of regulatory risk and pick a market where it is minimized.2)Volatility: Seems like some VR markets may be volatile.

In lieu of the current economic volatility and softening of the real estate market. 

Considering the volatility and uncertainty of the markets, I personally have never been more bullish on Real Estate.

Real estate markets can be volatile and unpredictable, and opportunities to purchase high-value properties at discounted prices may arise unexpectedly.

Still doing cash-out refi's, still doing refi's. everyone's goals are different, and seasoned investors are not new to rates where they are currently. leverages are definitely lower, as you mentioned -- deals dont pencil out as well at 75% LTV anymore, and in a lot of cases even 70% is a tight fit. but it really just depends on what your plans are for that money and your specific goals for your portfolio. there's no one size fits all here. as for HELOCs, ive never really been a fan simply due to the instability of the rate and payments. there is a use case for it, but in this volatile market, with the fed still raising rates (and helocs being directly effected by fed rate hikes) im even less likely to recommend them. again, its a good fit for some, and if it makes sense for you, there's nothing wrong with that. 

Its more for retirement and as the stock market is so volatile even though we're in it, we want to be very well diversified and have consistent monthly income no matter what.

If you are looking for a market that has been a little less volatile this is a great one.

But stock investing is not for everyone - it requires a tough mindset to go against the crowd and have the stomach to embrace the volatility.