People get tripped up with the 14k exclusion number as if a gift in excess of that amount triggers a tax liability.

Also, with me living there, I am pretty confident that things would rarely get “out of hand” or that my tenants would cause excessive damage/wear to the property.

Is there an excessive amount of investors in this area too? 

So, you would expect the economy to soften first before you see an impact to real estate, ignoring excessive speculation in the market.Since the economy has yet to break 2% in inflation, the Fed is likely to go slow on balance sheet easing or Fed rate hikes.There are a few things to look at with real estate: new construction starts, property supply and demand, rent demand, and a few others, Right now, the new starts have yet to recover.

Please bring your pet into the appropriate areas and NOT into any common areas, when they need to go to the bathroom.3.Tenants with dog(s) shall not allow any disturbances to neighboring tenants form barking or excessive noise.

For example, if mortgage + tax + ins is $1,000/mo the lender would want me to have ______ in excess of the down payment. 

A common equity structure is to offer a fixed preferred return with a split of excess CF.  

I have talked to several companies and there costs are pretty high to set you up, yearly fees based on your balance, excess funding, etc..  

So, in your example, they would represent you free of charge initially, and then collect, say 33% of anything you get awarded in excess of the original offer. 

Cash out is needed only when you as the owner are wanting to get cash back out of the property.I chose to allow that "excess" equity to stay in the property, I could have waited another 3 months to do a cash out refinance and paid myself the $22k but decided to just go forward with the rate & term instead of switching to a cash out.The HML payments get paid monthly, so they can't be rolled into a new loan.