This entire thread is utterly ridiculous and I have treated it with just the proper amount of contempt. 

If your retirement utterly depends on having adequate cash flow from your properties, any downturns will cripple you.

As well, I am proud to have somehow powered my AirBnB business through the 2020 (and beyond) Covid-19 Pandemic during a time that our industry was utterly decimated!

I remain convinced Biden's people will come up with something utterly nuts "to help first-time homebuyers" in the next few months.

But a little table one could also use for eating would be nicer.Most business people will want to chill after work, not socialize with the strangers.

Just chill at home more?

If so please tell me how REI make money doing this it’s utterly confounding to me.

Doesn’t hurt that it’s -40*C (-52 with wind chill) and 99% of people won’t go look/ negotiate in this weather.

If we're going to be internally consistent, IMO the playing field has got to be leveled.To do that, you have two choices.If you hard cap everything at 43% (and can no longer sell your home to that FHA buyer utterly maxing themselves out at 56.4% DTI), I can point to some dozens of millions, or hundreds of millions, of American voter homeowners ("homevoters") who will not like the impact this has on their home values, unfortunately.

The first person that uttered those words never owned watch, or used a calendar.