Once it was swallowed and bad loans were being sold to everyone with a pulse, of course it didn't matter the race or social status of who wanted a loan, because it wasn't REALLY about that. 

In these cases, the specific sector was over-inflated and collapsed as faulty - maybe even fraudulent financial vehicles and/or practices were introduced to suck even more money out of the sector as it heated up.Just because the dot com sector eventually swallowed reality and fixed its fundamentals on value products/services, the energy sector resolved in the courts, and the housing sector flushed out its overly speculative practices (many of which were really bank-driven, primarily as loans issued to folks who had no business buying housing - and toxic mortgage packages created with weird names and no vehicle history to attract investments thus made with no due diligence and no 3rd party oversight - which took unprecedented government intervention and bailout across many sectors to fix), doesn't mean that the next sector downturn trigger doesn't lurk out there.What some call creativity or innovation is really just greed masked in packages so new and weird that due diligence is nearly impossible.  

Usually I provide guidance and help people but seeing the response you got Bill made me just *smhSome people can't be helped, they attack and criticize the bearers of truth because it's too hard to swallow.

That's a lot there to swallow just starting out!

After a while 50/50 got hard to swallow considering I was bring the deal, managed the subs, dealt with whatever problems arise, etc.

I have to decide what to do about refinancing two of my duplexes, and the banker is pressuring me to return my application, but closing costs are really hard to swallow.

Having an issue that costs 1-2 years cashflow when you only have one unit can be a difficult pill to swallow.

Swallow my pride and go for it?

Don't go out on the edge because you will get swallowed up by the big economic black whole that can just appear out of nowhere. 

Obviously, it's tough to keep swallowing expenses, but I think you owe it to yourself to keep at it...the "frequency" is key, like @Dev Horn also said!