or they know oil cant stay down and this is a temporary blip and a buying opportunity and they load up even more !!! 

There are some temporary things they can put up, but if I were to rent I'd prefer something already there.

Too many people use a temporary solution (term insurance) for a permanent problem.Vanguard funds, depending on the account title, are not protected against lawsuits.

Hard money is temporary, and will sink you over the long term.Second, many hard money lenders won't refinance anyway.

The San Angelo Real Estate Market is peculiar and I'm not sure if they offered the 85% LTV as a result in a recent yet likely temporary dip in property values, property value growth potential, or, to trap me in a loan so that I can't refinance into something cheaper haha, at least in the short term.

However, temporary regulations indicate that if an individual participates in an activity for 100 hours or less during the year, this “facts and circumstances” test is not available.

However, the plan will not be considered qualified if it appears from surrounding facts and circumstances that the plan was established as a temporary program.A plan will be considered temporary if: The plan is abandoned within a few years after being established for reasons other than business necessitySubstantial and recurring contributions are not made to the planA plan will be considered permanent as long as substantial contributions are being made occasionally, even if contributions are not made every year.

But I don't think it's necessarily risky to buy when times are good, as long as you have a cushion.If I buy a class C apartment complex that makes good cash flow at 90% occupancy, OK cash flow at 75%, and can still cover the debt service at 50% occupancy, I don't think I am buying trouble, as long as I believe a downturn will only be temporary. 

Renting to temporary corporate clients, or transient tenants imho requires more work. 

Short temporary absences for vacations or other seasonal absences, even if you rent out the property during the absences, are counted as periods of use.