The jury is still out on the accuracy of that theory, but the practical observation, seems to be spot on! 

Cash isnot acceptable.o Maintain Payment Record with date paid and current balanceo Send monthly balance statements to the Borrowero Escrow the loan (for County Taxes and insurance)o Track and verify any superior liens on the property other than your noteo Submit IRS Form 1098-INT to the borrower by January 31st of every yearo Notify borrower no later than 3 months prior to any principal reduction payment orballoon payment dueo Observe borrower care of the property

Since this is going to be our first purchase, we are specifically interested in buying a four-unit (to maximize leverage through FHA), preferably on the peninsula.We have been doing research, reviewing past sales, and observing the market for about 3-4 months and understand that the supply in Portland has historically been low, so instead of only waiting for MLS listings, we decided to ask around to see if there are other ways to connect with potential sellers. 

Talk to several agents and observe how well they communicate.

Typically if the furnace was dirty or by observation of the flames and/or carbon monoxide presence they would defer to a qualified professional in that field. 

We haven't changed anything due to covid and as far as home sales/prices haven't observed any impacts.

CDC has observed that “[h]omelessness poses multiple challenges that can exacerbate and amplify the spread of COVID-19.

Compare the two areas, side by side, and I think you will make some interesting observations, which may help you make your decision.Tampa Demographics Melbourne Demographics

In my personal thinking I'm working to base my decisions on the observed past and the probable future, which leads me to believe that the rental market will be unfazed or even benefited from the economic crunch (which should affect the number of people who can purchase, pushing or keeping several more in the renter pool)

I have done some here, and had individual meetings observing the rules of the day.