Imagine interest rates drop 2% or more in 2 years.

My Class A (Indy suburb, great schools) has appreciated and rarely any problems.

LTV dropped to 50%. 30 yr fixed @ 4.3% LLC (2)• Investment condo - new construction high end purchased in 2019.

Her husband is on lease still, if I give him x days couldn't he just go take all valuables in that time frame it just sucks because I can't separate them from the apartment because apartment is full of stuff, basement is filled and garage is filled, like I said he is having a dumpster dropped off Tuesday,, so I'll have to allow access 

Do I only draft a cash-for-keys agreement after they've accepted the notion of it or just drop-off the proposal/demand?

WHEN (yes I mean WHEN not if because over 30+yrs it happens many times) when the market has a drop for whatever reason be it a bad election, war tensions, someone sneezed on there terminal and HFT's went bazerk selling, whatever the cause, WHEN the market drops you get a "Margin CALL" and next thing ya know there not just selling off those leveraged positions BUT there selling em off in the drop, at the lowest price, amplifying losses, all those returns going out the window in moments.     

Now that demand is cooling, values are dropping.

Land is also scarce, so a SFH in such a dense and popular spot will be rare and expensive.Also as David mentioned, land retains its value but structures are generally thought to depreciate to zero over 25 years.

Six months later my insurance dropped me and here is where it gets sticky.

It's a finance institute of one form or fashion, they will use it if it's in there best interest, and that means the person who holds the button to drop that ax.