History also shows us that markets can be "irrationally exuberant" and can exceed what one would logically expect both on the upside and on the downside.  

With a large enough variety of assets, you don't need to time the market when harvesting cash, you just need to sell a few things that have become relatively expensive compared to the income they produce.It's your money, so you can manage it how you please, but it's irrational.  

@Ian Ippolito  I think there is a irrational expectation on crowdfunders that they are perfect.No lender is perfect.. no underwriter is perfect... somehow I get the feeling that the public thinks that these guys should be perfect..

It may be true for people starting out, but you are clearly not qualified to say because you do not know, or even bother to ask, about them and their situation and you clearly have some sort of irrational derision toward attorneys.

Don't let him inject fear into you to provoke irrational action.

When the ASKING price is irrational, then the GSI will be too - - simple way to evaluate the dream of the seller. 

On a side note, to suggest that a Mortgagee can influence a borrower's current or future FICO is irrational.

And in the meantime my budget is so tight I worry that my savings could erode to the point that nothing is in my reach (irrational worry?

I've been looking at multi-unit properties with a broker for a while, two visits make me wonder whether current market is "irrational exuberance": 1)saw a gorgeous turnkey duplex only on the fourth day of it being on the market and someone else made an offer right before I preparing to make an offer..2)Booked a view for a four-plex at the earliest convenience of the owner(1 day after it being on the market), but only to find out there are 7 offers made already and some of them are made with site unseen !

It's a watery make-belief word salad of nonsensical inspirational fluff.A Random Walk Down Wall Street and Irrational Exuberance are a must read.Good luck, Frank