@Troy S.Yeah I get what you're saying most wholesalers aren't really doing what it takes to be great at actually wholesaling so it suffers a bad rep I get it.

Who really suffers in this market are the first-time homebuyers who are using down payment assistance programs that simply dont have the cash at all to put upfront for due diligence even if they did want to roll the dice. 

It sounds like you've done your due diligence when it comes to your numbers, and I think it's unlikely that the rental market will suffer a catastrophic correction this year.

My IRA money has grown so much better under my self-directed control than when it was managed by an investment service company suffering at the whim of the stock market.The "snowball effect" is real. 

A little more probing uncovered the fact she had been stealing from her grandfather who was suffering from Alzheimer's. 

I , too , am constantly looking for new trades and suffer like Investors. 

I figure time in the market beats 'timing' the market, so I'm trying not to suffer from paralysis by over analysis and get into a property when it makes sense - not waiting for that perfect deal or time.My first deal may not be an ROI home run, but the lessons I'll learn and the experience I'll gain in the process will empower my investment portfolio for a lifetime.

Then their business is suffering and having to take out loans with hope you won't have to pay back? 

Whenever big brother gets involved you can bet the folks at the bottom will by default suffer the most .

In essence, if the housing market sours and you have this pall of debt hanging over you while your gross rents drop by 30%, is your 401k also suffering, or is it allocated more heavily to assets that will perform well under these circumstances?