But you are correct, your personal time is a currency you can never get back.

And, after I ranted like I did have to say, credit and currency make our world a much better place, no matter some of the shenanigans that go along with it.

HOA also allows mid-term rentals which would allow for higher rents for (ex) 6 month leases.

Besides crucial elections, international economic wars, and propped up currencies, people seem to be pulling back in fear of the unknown, which is how we get OVERHYPED.

How do you deal with forex risk? 

Hell right now you lose money to invest in bonds, people investing in money losing bonds are doing it because their outlook is very bleak for the future of the currency and thus the gauranteed bond loss is still less than holding the currency and inflationary pressure over time.Bad dollar value, means no bonds purchases which is how we in theory acquire money to loan.

For ex. if lender is reducing payment to IO, you can pass some of that savings to your tenants.

Maybe this won't happen because all other major super power are devaluing their currency by taking on more debt just like the USA? 

Going to be rough on currency traders since all the countries are doing it though.

Coronavirus, the Financial Crisis, the Dot Com Bubble, 9/11, the Currency Crisis, the Energy Crisis etc.