@Greg Soon - SLC has loosened up their ADU requirements to combat the mini-housing crisis they are seeing here.The code is outlined in the section below.Section 13.11.010

For example, with the current crisis, some insurance companies are not paying out on their policies because the insurance policy actually has language for cases like a pandemic.

We are now in a crisis mode with Inventory.

Just read this great article detailing your question via UCLAhttps://anderson-review.ucla.edu/is-the-1-trillion-coastal-housing-market-a-future-financial-crisis/ It's not if but when at this point.

One of the good things that has come out of this current crisis is that a lot more Title Companies/Lenders are open to remote closings.

If we have another 2008 financial crisis you may find1- you friends are no longer friends2- they want all the information they never asked for so their attorney can decide whether or not to sue youHere is the bottom line.  

While there's a boom in the wealthy areas, the surrounding areas are facing a rent crisis.

So for you this next economic crisis / recession would impact positively the note investing?

Some of stated that because they have strong property managers who have vetted their clients, invest in A & B areas and have worked with their tenants, that they have managed just fine through this crisis.

Be diplomatic, stick to topic, don’t bring up extra bs like typos or a missed covered patio - only the relevant stuff.