This will cause your ratios to worsen with each home you own with these #'s.

Those terms are then typically updated daily based on the secondary resale market relationships they have on the back-end, sometimes improving, sometimes worsening, and sometimes those lending partners offering us special deals or exceptions based on the overall volume of business our company sends them, but something we need to be on top of to secure the best deals.Last, 90% of these lending partners and terms I mention are through what are either "private" or "wholesale lenders," meaning they do not offer a retail, client-facing division of their business, but only allow brokers and correspondent lenders (like us) to originate loans for them.

Certain markets that had huge increases in prices are currently down 10-15% from the peak...time will tell if that worsens.

(or, often even without a W-2 job at all) If you are buying cash flowing properties without   they do NOT worsen your debt to income.

They can determine what's going on and give you suggestions of how to prevent it from worsening. 

Maybe, but as the economy worsens and more foreclosures occur, can you make money as inventory increases and rents drop?

The opportunities will become even more abundant as the economy worsens in the short term.

The longer they limp along, the more the condition worsens, tenants stop paying rent - it turns into a downward spiral. 

Anyway, back to the original topic.....This current economy and the worsening economy that is arriving, does not mean anything to veteran investors.

@Grant Lovelady- thanks -  yes you are  right - terms on rental property loans are  high ( especailly the loan fees  being charged )  - things  worsen  for " cash out refinance " loans  ...most HELOC lenders  arent  interested in providing HELOCS  on rental  homes  ....if you  are talking about  getting a heloc on your primary - this is indeed  likely the  best  path to get   some capital ( rates for a OO heloc  should be in the 8.25% -10% range  with  very low fees