When natural down cycle follows lenders tighten up standards and make loans tougher to get at lower LTV's so many investors take advantage of higher LTV with cheaper debt while they can get it.

This year one of my goals (after punting 2 tenants in a 4 month window) is to tighten up screening as well as my paperwork.Cheers

Folks are losing their jobs, and this is likely to push down the market.. growing our renter population with a desire to maintain their former standard of living... that being in a single family rental potentially, or other rentals as lenders tighten up the traditional retail consumer lending criteria.I heard Peter Diamondis speak at a Tony Robbins event last year about how to find opportunity when the masses are "freaking out."

renting is good for mobility and less strain on your credit. 

Buffalo perhaps in NY and Baltimore might be one example.Here the latest from Marcus and Millichap (multi family) for 2017.National Multifamily Index (NMI) Several markets with favorable supply-and-demand balances and momentum in hiring made large moves to ascend to the top spots in the 2017 National Multifamily Index (NMI).Los Angeles advanced 11 places in the Index from one year ago to take the highest position in 2017 behind a forecast for further tightening in vacancy and minimal supply growth.

Now that money or deposits are gone, they don't have to loan funds out and have tightened up.10. 

Is anyone experiencing the fact that banks are tightening up on HELOCS right now?

But LOTS of ways this could spiral downward and strain relationships that matter.

Even to live in as primary residence, since Freddy/Fanny Regulations have tightened up I’ve been told.

Story Continues BelowLos Angeles and Seattle moved to the top of Marcus & Millichap's National Multifamily Index for 2017.Los Angeles moved up 11 places in the firm's ranking from one year ago based on a forecast for further tightening in apartment vacancy and minimal supply growth.