so what really happened is unrealized HTM loss doesn't need to be recorded in the book so they dont have to sell it EXCEPT if there's massive withdraw from customer AKA bank runs.It's the bank run that causing the bank to collapse.So in theory you can avoid issue by saving the money that has the smaller holding of HTM paper or invest in the bank where there're more incoming asset coming-in. I

Before ot is said about potential loss on stocks cashed in. I

Do you know what location/area you are going to start investing in? I

> Military husband/wife buy new home, divorce, stop paying note and hoa> Husband is erroneously removed from title by tax appraiser, HOA forecloses on wife, I buy home at auction> Now I am on title, wife and husband on note, bank cannot foreclose because husband is protected by SCRA > (more on this in the above post, but husband does not want the house back)A while after moving in I discovered water damage inside a wall where rain has been getting in due to needing a new roof. 

It depends on how competitive the market you are in is and if they are doing a BRRRR or flip strategy. 

If anybody has any thoughts on this and wants to weigh in, I would be grateful.Nicholas

I am licensed here in Texas, and depending on what area you are looking to invest in.. I

I'm not entirely sure as to which niche to start in. I

If the area you're investing in is more 15 min or more away I would recommend LTR.However, all that changes is you plan to hire a PM. 

Just my opinion but not a market I would start out investing in. I