Licensing laws are sometimes there to protect people, but mostly to suppress competition by creating barriers to entry.

I recognise that it's winter so that's likely suppressing inventory a bit.Thanks and look forward to meeting you!

That said, the state has already shown an appetite for keeping non-payers in their home, so maybe not.

I literally lost my appetite tonight. 

Less so with the 4Plex buildings that we own (which is 3), as, i assume the competition with the similar units keeps the prices suppressed a little, nobody wants to be the first one to jump up their rents...We are also buying new rentals for which we are paying a bit more than we did a few years ago, but since the rents can be higher by a few hundred dollars, we can still make the numbers work. 

Reason being, capital markets are too volatile to consistently predict future interest rates / cap rates / investor risk appetite.

If you do not have an appetite for risk and do not have excess funds sitting in the bank/credit union, it might be in your best interest to wait on the side line and let this play out a little bit longer to appropriately assess the risk. 

I’d love a small booklet that wets the appetite for financial freedom.

Different banks have different appetites and early on, I had to talk to something like 20 before I finally found one that would lend to us (this was back during the recession, it's better now, but you still have to do a lot of looking).

Our team doesn't have the appetite for much ground-up (we are more risk-averse now), so we expanded into value-add self-storage and mobile home parks.