It also says that banks are tightening their capital requirements and demanding larger down payments, which will have a negative impact on future apartment growth, driving prices back up.

There were 4 sellers, all partners and the relationship had become a little strained.

takes care of which items in throughout the process will help you keep your sanity and keep relationships from being strained. 

We are very much in a hard insurance market - a huge number of insurance companies are unprofitable and taking aggressive rate action as well as tightening up underwriting requirements on all new business.Obviously you shopped and were able to find some savings.

. #1 it’s not investing, it’s just creating a job for yourself, #2 it’s risky, especially as the STR market appears to be tightening as LTR rents rise, and #3 most landlords aren’t interested in letting you do it, because they’re either scared of STR or if it was a good property for it they’d already being doing it themselves. 

There are many Hedge Fund and institutional buyers that have tightened their belts in regards to the massive purchases they have been making the last few years but that does not mean there are not other investors that are still actively looking and purchasing deals.

People get sick, income streams come and go, income properties sometimes don't perform as expected, economies rise and fall, interest rates rise and fall, lending tightens and loosens, natural disasters happen... etc... etc...My point is to do what you can to avoid or lessen the impact of the balloon.

My insurance broker tells me that insurance markets have tightened a lot very recently.

As a general note, I would avoid renting in a place that consumes 44% of my monthly income ($2k/$4.5k) as this will put a lot of strain on your finances during the next two years.

.- If you're buying as an investment it's going to be more like 25%.Some lenders are tightening their lending criteria right now so you may find some discrepancies between pre/post covid down payments.Good luck on the duplex!