You can buy the cards in bulk online for cheap.Plus when you keep it unexpected, you can do it at your leisure (vs. sending them the expected holiday cards).Our tenant turnover has gone down after implementing this and, while tough to isolate because of many variables, it definitely plays a role in keeping people there.

Thanks a lot for all your input in advance. the EASIEST way to counter any housing issue is HOUSEHACKING.Say you lost your job, househacking would cover your mortgage payment.True there would be lot of FORECLOSURE in 2024, it's undeniable,But that would not be in residential housing.Forclosure indeed already happened in specific CRE sector only.

@Francois GuerrierUsual hot market... more appealing to seller... can refi later at my own leisure (especially when rented... may be the only way “good” way to buy a property to reno/flip (you know to qualify for a mortgage you need a “functional” house, not necessarily pretty, right?)...

“Vacancy rates are declining in all of the major commercial sectors, and rents are rising at healthy rates,” he said.

I don’t think that will be as bad this time but I believe many other sectors will be impacted that weren’t as much last time.

I range between dividend stocks and sectors I think will do well.

That is why I use my tax sheltered account for non-tax-friendly sectors. 

I am not a conventional/traditional lender, so anyone with more experience feel free to chime in or correct if I'm mistaken.In the non-bank lender sector (let's call them specialty lenders), your wife does not have to be on the note and/or mortgage.

Busting into the commercial sector is quite Interesting 

Taking over retail with online holds a lot of substance with retail clothing but not other sectors of retail that are internet resistant.Priyanshu I do look over 1,000 properties a week nationally.