despite 2 or 3 crisis in between and there is no change to expect in the long run (except short up and downs) because there is no end to the migrations to California in a foreseeable future.

I bought dozens of good, cashflowing, SFR's with portfolio loans right after the crisis, and I spend zero time worrying about about interest rates on the underlying loans because the cashflow is good enough to absorb the few extra dollars of interest after adjustments.Just my opinion though, I am sure there are very good reasons to go the conventional route - I just don't like the process at all and the brain damage it causes me.

The market was good but hard to find positive cash flow properties until the later end of 2008 when property prices started to fall due to the economic crisis.

We have a significant housing crisis here, and it adds insult to injury with so many empty properties that were bought as investments. 

I sure didn't mean to accuse you of causing the financial crisis... 

They tightened up after the financial crisis and have been loosening up since then.

He depicted the area of multifamily real estate being the only segment he didn't get his butt handed to him in the in the financial crisis of 2007-2008. 

I know the recent oil/gas  crisis had slowed down the Houston housing market.  

People say that the Chinese word for “crisis” is comprised of two Chinese symbols—the first symbol signifies “danger” while the second symbol signifies “opportunity.”

Those who own individual homes may not see the bite as Florida insurance regulators protect them from such increases, but these additional costs will eventually make their way through to those policies as well.Florida rocked by home insurance crisis: ‘I may have to sell up and move’ (msn.com)