They said the nails were old and loosened over time

Do you loosen those numbers up if the market is tough?

I have seen those downsides in working capital when a business wants to grow and the bank isn't interested in loosening covenants.

I am not totally up on them but they are changing and you should see things loosen up..

I would loosen the criteria a little and look at properties that are .9% or .8% BECAUSE a deal isn't what a seller offers its what YOU make of it!

So Capital Gains rate goes up a little or down a little or perhaps lending tightens or loosens a bit....so what?

So if it were used as a tool to prevent highly appreciating rents in a rising market, while zoning laws were loosened to keep people relatively stabilized while supply catches up, then I could see that as a positive approach. 

Life is a lot more than saving pennies, and while I have no bad debt and am smart with my expenses, I need to loosen up and live a little.

As the economy recovers and the real estate markets rebound, lending will loosen and lenders will likely require less.

Yes, they are building more now and that is the result of finally loosening building restrictions.