I understand the dilemma a bit, but you can't let others dictate your business.

from my perspective as a NMLS licensed Mortgage banker... is D F won't get repealed as a whole.the govmit spent a billion dollars creating NMLS  all of us mortgage bankers or RMLO's are now registered in one federal system.. it would create massive issues between the states and feds how we operate.DF from someone who actually works in the system ( me) is a pain for sure.. we have to use this super complicated website called NMLS .. we have to do reporting quarterly that is over the top and bigger shops no doubt had to hire a compliance person as it would become a full time job.. little guys like me we just grumble  but have to comply.Wall st will dictate rates  LTVs and risk.. along with bond buyers ..

So while the consensus is this is not a really good time to buy I think individual financial realities dictate whether a totally sit it out or slow accumulation strategy make sense.

I personally have never and probably won't invest where there is an hoa fee because other people are dictating your maintenance costs. 

Market forces dictates that the older retail centers are either renovated or tear down, however those rents still have to be competitive to lure in tenants?

Dictate a class of buyer and some program where the fed gov will "securitize" those mortgages against default, and natural result will be lowered interest rate from being securitized, expanding "access" as they love to call it.

That will dictate what the new LL can and cannot do.

Good luck, so many great viewpoints on this thread, definitely take it in, but also dont let that part of your life be dictated by the feed.

So far you've dictated equity is no longer equity, it's "Shadow" equity, fake in your eyes.

Despite always having bits in my bag with the Leatherman Juice and toolcase with a full complement of regular bits, the flat drivers, small and large, on the Victorinox are also very useful for old flathead screws manufactured before the Great Depression, well before standardization dictated a deeper and wider cut in flatheads, as well as electrical cover plate screws for outlets and switches (these are always very narrow and have trouble taking a standard bit.