1.EquityIt's not a surprise that the stability in the market over the past decade since the sub-prime crisis can be linked to the elimination of NINA and NINJA loans.When investors must have a skin in the game,speculators leave the industry for the real professionals who actually know what they are doing.Speculators belong in Vegas.True professionals don't hold 90-100% of their portfolio with less than 3% equity.That's a suicide party waiting to happen.We are not a fan of this whole "creative financing" and "No money down (NMD)" movement on BP.It's cool if it helps gives some average Joe their start in real estate,but when it becomes your sole strategy,you will surely get eaten when the apocalypse arrives.We currently hold all assets in a 25% Equity position.You don't have to be the only one coming up with equity.Find partners.Skin in the game is where it's at.There's a good reason banks talk of LTV and DSCR  when you apply for loans.The new government may get rid of all that as part of the coming repeal of all those "evil" regulations.Currently,on many of our duplexes,rent from one unit alone covers the mortgage payment.We believe that to be almost recession-proof.2.Location!

If you need a lender in Wisconsin, I'd recommend googling Movement Mortgage (Wisconsin) and find an LO that's close to you.

@Min KimNeither.What you're describing are balance sheet movements that never hit the P&L.e.g. the principal component of a mortgage payment is just a decrease in cash and a corresponding decrease in a liability. 

By studying the up and coming Social Movements & Trends, a business man can better cater to the marketplace.

I have no anticipation of there being much movement one way or the other.  

I had a tenant who perpetually complained of condensation in a bathroom.

The study @Foster Algier has posted basically said it isn't a trend to live in the cities and rent for fast movement, they just plain can't afford to get out yet!

, so once 20% of that base's personnel are no longer perpetually on rotating deployment, one would expect demand for housing to go up.

This is one of the main hurdles for the tiny house movement - zoning.  

Basically a perpetuity.