As you improve your credit, you could plan to refinance in the next 12-24 months if rates decrease.

Interesting i’ve heard rumors about this flood insurance, Until then i will stay away from flood zones since the policy will decrease your cashflow.3.  

It really just limits your exit options and decreases your ability to leverage.

We all hope that when/if the rents decrease, there will be more inventory, but there will also be more people who can afford to buy.

 how about filing a motion for a temporary restraining order (TRO) and preliminary injunction to enjoin (stop) a foreclosure sale? 

But still we will probably see some increase in rent in non-rent controlled properties, decrease in quality for rent controlled one, and portably a higher shortage of rentals.

So he had already decreased his living expenses as much as possible.

@Daniel Chun It’s a 30 year draw, the first 10 years are max draw, then starting in year 11 the max credit line starts decreasing by 1/240th.

That decreases the amount of money I would be approved by a lender to purchase a property.

By approaching from the "objective analysis" rather than "who is the good and bad guy", you are really educating a basic investor.Capital call is a myth/method created by the lender as a temporary measure by the lender to avoid foreclosure.Nonetheless, these capital call is created because the lender itself is willing to take a such very high risk investment that should not happen in the first place.A DSCR loan of 0.85 80% LTV should not happen in the first place.