If you can buy and hold, you will make money in the next 3-5 years, even though you may have a temporary negative equity experence. 

It might not be a permanent solution however it does keep things organized for a temporary amount of time, if needed.

Once they jump that hurdle and continue to jump hurdles they will be happy they overcame that temporary fear.

I am convinced that we are a headed for a major recession and temporary decrease in property values, but you have to have money to take advantage of the buying opportunities.Hope this helps.

If a buyer has the financial capability to handle possible temporary negative cash flow and ability to refinance in the unlikely event the note is accelerated, and the seller has the ability to do a background check on the buyer and reach an intelligent decision, then the benefits of a real property transaction without the expense, time and qualifying necessary to obtain new financing and perhaps the benefits of a lower interest rate can successfully accrue to the benefit of both parties to the transaction.If the buyer is an undercapitalized inexperienced recent “graduate” of a guru program and the seller is willing to sell to anyone, whether breathing or not, then the transaction has a high likely hood of ending in disaster.When both parties are knowledgeable and understand the risks of the transaction, nobody is “taking advantage” of anyone else.  

Not in the cape but north shore of MA.

The one place that still imo offers a good combo of being nice, being affordable and having a little upside left imo is the eastern shore of Md, I just bought a flip down there (though it’s pretty hard if not impossible to find great value add even there) but it’s affordable, growing (a lot of people coming from dc, New York, Philly area.) but still not really a big enough market that any major operators are out there yet. 

It's either self-manage, or full property management, while I need something in the middle.Some more details on my situation:I own an STR in Gulf Shores, AL and the vast majority of it is automated.

I am located in the north shore area of MA and got my two duplexes through house hacking but always will to share my experiences! 

By approaching from the "objective analysis" rather than "who is the good and bad guy", you are really educating a basic investor.Capital call is a myth/method created by the lender as a temporary measure by the lender to avoid foreclosure.Nonetheless, these capital call is created because the lender itself is willing to take a such very high risk investment that should not happen in the first place.A DSCR loan of 0.85 80% LTV should not happen in the first place.