The real estate market didn’t crash, and doomsday did not materialize.People hear the "news" spewing dire predictions, usually based on only an opinion, misunderstandings and rarely any facts.

So, until we get the "bad loans" coming or less requirements to buy you will not see a correction...This is somewhat of a misunderstanding of what bubbles are and an incomplete view of causation. 

I don't want to call them out publicly if I am misunderstanding something.

A completely misunderstanding and just plain wrong. 

HOWEVER, there is a misunderstanding that the buyers do not realize...Listing agents representing sellers have a FIDUCIARY DUTY to the seller (and Buyer's agents also have a Fiduciary Duty to their client, for that matter.) 

I do not care to discuss this with you any longer.You quoted a scripture based on a gross misunderstanding of it and also what the simple matters of this thread are about.You say that all we have is hearsay, but you also claim to be speaking the truth on the subject.

Unless I'm misunderstanding the lender I'm working with on my latest acquisition - after the first two years of rental history being recorded on your taxes, your mortgage is no longer added to the Debt portion of your DTI, it is countered by your rental income and anything over your mortgage is moved to the Income portion of this ratio.

@J Scott no you misunderstand me.

Insurance also doesn’t protect you from misunderstandings, especially those made in writing and email.

This can help avoid misunderstandings and disputes down the road.It's generally a good idea to be upfront with prospective tenants about any limitations or restrictions on the property, such as access to certain areas or amenities.