When I say "big builders" I don't mean the publics--I mean the local guys who were the dominant players in the market either pre fire, or pre-market-collapse that have come out of retirement. 

Overnight the ceiling in the main floor bathroom of our four plex collapsed due to a water leak.

The lender can't force you to make it 50-50, but it's just set up so that your both equally liable if it collapses (regardless of how much you put into the deal).

Not to mention that she had to be rescued from FD becuz garage collapsed on her car and she couldn't get out!

If you COC return is above 10% buying today and having the market scream down tomorrow will likely break you out even as the low wouldn't be achieved for a few years most likely and unless you're buying garbage or a true collapse occurs you aren't likely to lose more than 30-40% so the cash-flow alone will likely off-set the oppertunity cost lost in buying it at the bottom.

Living through market swings and a total collapse teaches frugality and caution. 

I also found my fence collapsing into the neighbors yard, a burnt couch and they decided to use my property as a trash pit between the last time I seen the property and when I moved in.

Recently I bought in Brookhaven Township, literally the day after closing, a town crew showed up and a started cleaning - the collapsed pool, assorted crap - into a dumpster and GONE. 

This was posted by a respected member on the reddit real estate investing sub:https://www.reddit.com/r/realestateinvesting/comme...https://www.mauldineconomics.com/frontlinethoughts...One of the comments describes the "Minsky Moment", basically a collapse in asset value due to excessive loans being taken out, similar to the 2008 GFC."

Not that it will collapse, but wages and incomes won't allow it to go much higher.We saw this in the mid-nineties.