Just ask all the experts that have been predicting doom for the past 10-12 years. 

holes in your plan:  it's 100% speculativebest advice you can get: stop listening to journalists and biggerpockets members for predicting future market events. 

Any time you have people int he mix you can't predict what is going to happen.   

Note age etc it will help predict replacements.

It's very difficult to predict the future. 

In reality your monthly expenses may fluctuate considerably (especially if you find a good value-add deal) and your returns will not be a smooth as predicted, especially for the first few years.This is why finding a deal with appreciation prospects is important as well.

Maintenance is somewhat of a moving target and hard to "predict" other than that there will be some and it will be intermittent.

@Ken Latchers regardless of your predictions on online services taking over different industries, you're going to be less efficient and successful in this business by having that attitude.

I am not predicting this by any means.. but I think the bank has pretty wide latitude to just say in their opinion the market your in is at risk and therefor we are freezing your LOC.. simple as that.

Could chance if other developers come to the jail area, but tough to predict.