If there isn't a way to tighten it up then walk.

States like Georgia are tightening up the education requirement to become an agent and remain an agent.

Questions...I have heard it's harder to get refinanced now as they are tightening up on who to lend to.

Hey Chris,Thanks for pointing out that standards will tighten up when the markets go downwards  (I actually didn't think about this!). 

The multifamily inventory out here has really tightened up in the past couple of years but there is still opportunity depending on your desired area and budget.

Hi Tomas, sounds like your debt to income ration is might be getting a little strained.  

Unfortunately, right now you are at the whim of these late-paying occupants and your relationship is strained because of the late paying issue. 

Maybe they are looking to sell, maybe they know about the issues and need a nudge or some suggestions, at the very least they could start cracking down on lease violations and tighten up their screening criteria.  

And lending requirements have increased, if you haven't been talking to lender lately about it, they've tightened up lending on investment property greatly.

I would build a house anytime as long as the client can pay me what I need to make a good profit.What happens in a recession is that the trickle down process kicks in....the people at the top tighten up their $$ and the whole market sort of freezes.