.- August closings were down 14% compared to last year, less of a year-over-year drop than last month which may indicate the early stage of a flattening in this metric too.Supply/Demand Relationship – stable, seller’s market- Seasonally adjusted housing supply still stands at 1.8 months, virtually unchanged since November 2021.

My sizeable HELOC remains in place and my credit cards unchanged.

While stated income will limit the ltv, the process of cash out refinancing based upon the real value remains as an unchanged guideline.For investors with over 10 financed properties there is a finite number of lenders who will even do this structure, let alone no seaoning refinances.

Plenty of people waited for the crash and, whoops, suddenly couldn't qualify for a mortgage any longer even though their financial situation was unchanged. 

However, I noticed my score was unchanged.

If I do the same actions with my rental house, the value is unchanged.

Many if not all municipalities have a formulate to assessing properties but often times miscalculations can be made but remain unchanged in the tax books. 

. :) With the exception of the few years of the housing bubble, prices in this neighborhood of Wilmington have remained essentially unchanged since the early 90's.

If a long time, and good tenants, I might be inclined to just leave it unchanged and re-think the whole thing in late winter/early spring.  

If my investments failed so spectacularly that I lost all everything I invested, our lives would remain unchanged, except that we no longer have a 401k asset.