I've spent the past couple years investing in single family homes - over the past couple months I've decided to start selling them off (along with some healthy appreciation) in favor of multi family with better rent returns.

As long as you are keeping healthy reserves, I think it is definitely the move to pull out some of that equity to keep buying property.

Simple they might not be healthy enough to take any hit currently.ORThey already have a bunch of product out there.Putting too much out at once could flood the market making their 80,000 REO drop to 50,000.So the banks like to release properties like a water spicket in small little bursts so the dam doesn't break.On the pre-foreclosure residential side there is 2 million loansin some stage of default that will have to be worked out.Whether that's ultimately a permanent loan mod,a DIL,a short sale,or a foreclosure remains to be seen.So there are millions of properties out there.I think where people get confused is what is happening on your local level??

The lack of home supply will help the recession from being like 2008, but yes, we will start to have less buyers and move our way to a more normal, healthy market.4.  

But the goal is not to stop working - we all (well, most of us anyway) need a healthy purpose in life that satisfies us and makes us feel valuable.

I truly hope everyone does what they need to do to stay healthy. 

You should be able to find a HML who will do better than 70% assuming the deal is actually good with a healthy margin.

I'm pretty reluctant, partially due to a healthy skepticism and partially because my friend has a massive tendency to jump on bandwagons and get-rich-quick, pyramid scheme type deals. 

What is your favorite book on the topic of mindset or building healthy habits?

Erlanger Health is the largest employer in the region.