Typically HELOCs have adjustable rates and if the banking climate changes I believe the lender can actually cancel them at their will.

Keep it small and enjoy the nicer climates.

This is for anyone and everyone from Wholesaler to Landlord to Mortgage lender.I seem to run into the issue of lack of good deals on the market currently, it's probably because of the mortgage moratorium, but there aren't enough deals on the market as there were a few months back.My investment strategy is buy and hold in NW Indiana.I am hoping this can help investors on this forum gauge the investment climate nationwide and may be help a few investors.If you don't mind posting your area, investment strategy, and the problem you seem to be facing.If you aren't having any problems, please post also so that we can learn from you guys what we need to be doing.Thanks!

In our current economic climate, would you consider this to still be a safe method?

This is a combination of the climate, condition of the property, and the quality of the property manager. • Landlord friendly laws and taxes.

Not sure that those that have any obsessive compulsive disorders should be in real estate.

It’s the perfect altitude, climate, and rainfall for premium coffee.

What these guys are saying is that as a result of a rule that made sense in a different era under different circumstances someone is knowingly going to pull the trigger and unnecessarily destroy over $100 billion in capital.So even though these properties are healthy and performing excellently, they will be destroyed.I am so very glad that I am now a retired banker, as I cannot see myself in good conscience functioning in a climate where a sub mediocre bureaucracy blindly enforces a rule because it's there.

Some ideas from others:• bank loans are not available on some types of properties • the tight lending climate has made bank financing "out of reach" for many • seller financing is an "age old" tradition based on private property rights • these rules would prohibit even partial seller financing - i.e. a "seller second" • according to HUD's "Residential Finance Survey" in 2001, roughly 40% of all non-farm residential properties in the US are owned free and clear • an estimated 6 million Americans own a property other than their own primary residence • an estimated 4.5% of Americans own three or more properties, many purchased solely as investment properties • 40% of non-owner occupied residences are mobile homes which are more difficult to sell with bank financing • approximately 5% of homes in US are for sale or for lease... seller financing may be key to liquidating this inventoryThe continued success of our industry as we know it is threatened by these proposed regulatory changes.

@Greg Scott I believe that if we buy wisely and property screen our tenants then no matter what the political climate is we should be able to cash flow.