Namely this is the fact that the private sector savings is equal to public sector deficit minus trade deficit.

The mortgage industry is shifting back to common sense lending, specially in the investor sector.

Anyway, my point is that if you know how to legalize unpermitted units as ADUs, and you know how to market to owners of unpermitted rental units, then there seems to be tens of thousands of opportunities in this untapped sector. 

I do get into conversations with investors locally who do this.The sentiment is early flippers over the last few years could find deals with good profit margins easily in the first time homebuyer sector of their markets.

If strong suburban to urban core there is generally more product built out and density is higher for the various real estate asset classes.You have stabilized cap rate, going in cap rate, dark space value,etc.If you are trying to buy something yourself then get a qualified commercial broker that is a specialist in the sector.

The private loans are the ones we're trimming off but the "Public" loans - held by the Government - are getting the long haul treatement.The deal with forgiveness is 2 fold:If you work in the public or non-profit sectors for 10 years and make 10 years of on-time payments, the rest is forgiven.If you make 20 years of on-time payments, the rest of the debt is forgiven.  

Take a commercial agent to lunch and otherwise network in the sector.

I plan to follow a buy and hold strategy to amass enough passive income through real estate to support myself and my family.I will also use my experience and contacts open in house construction and property management companies to service my properties.I welcome contact from all members in all markets and all sectors for advice encouragement, or anything positive I can use and pass on to the next person I encounter on this journey.

As cap rates continue to compress across commercial real estate sectors and as a residential lending environment become slightly more challenging, institutional investors have capitalized on an opportunity to acquire large portfolios of single-family home rentals in recent years.

Since it seems customary to introduce oneself on the BP forums when they're ready to get to work, I'd like to take this opportunity to do so.I'm a full time software engineer working in the health care sector.