Its hard to tell what would happen in the next 2-4 years, some markets have good fundamentals like job and population growth that would last for years to come.If this bullish cycle passes 2022 it would certainly be one of the longest "recoveries ever".In saying that, it is expected after the crises of 2008. 

Another strategy is to pile few properties in the early recovery and sell half at the peak. 

I can only hope the OP makes a full recovery and doesn't give up investing in RE. 

As a seller, I sell everything on the open mark to maximize recovery, by exposing my assets to the largest possible buyer population.

I decided to go through the Rent Recovery Service website to collect the amount the tenant owes. 

“We obviously hope to maximize the recovery for every affected victim,” he said.

Assuming you are getting cash out, since you stated as such in your first paragraph, I think this is a no brainer...once you look at 2 numbers:1 - Added cost out of pocket (higher closing costs) for lower payments = $21,0002 - Added cash out with lower payment option = $3,0003 - Total added cost (cash out of pocket) for lower pmt option = $18,000      Note:  This is money you have to recover before you are making any profit...so the added cash flow isn't a plus until this money is recovered.4 - Monthly savings (added cash flow) = $1655 - Number of months to added cost recovery = 109...or 9+ years. 

There is the Fraud Enforcement and Recovery Act from about 2009.

Very cool that you are already a RE investor.As a professional athlete (awesome!)

News found, the recovery of millennials is discussed.