You can't assume you can get the same rents with less product. 

like too many sites that are trying to sell RE products as an investment, they leave off many expenses.  

The HELOC product is a really powerful tool and I'm super psyched on it in the right scenarios, but for my personal circumstance right now I think it would make more sense to lock a fixed rate and get off variable.

These are the same people that still believe you get more productivity out of your employees when you keep track of how long they are at their desk....So while we might see a shift in the startup and small business space I don't see telecommuting taking hold until the generations of leaders and board members that we currently have in this country, over say 55 at the moment, are no longer in the workforce, or at least are no longer in control of company cultures.  

@Jared Carpenter It's good that you're taking this time to be productive and form a battle plan. 

A lot of forum members are very knowledgeable in their respective fields related to real estate investing, whether that is real estate sales, wholesaling, flipping, rentals, lending, self-directed IRA and Solo 401k investing, or tax and legal guidance.Discounts on some products and services are offered to BP members: https://www.biggerpockets.com/perks/proIf you haven’t been to it already, you might want to check out the BP blog: https://www.biggerpockets.com/blog/The site has quite a few tools that can be helpful for new members.

My lender in Forest Park does 80% LTV deals as one of their main products. 

@Rocio SeguraThis depends on what product you are looking for.

Clearly you had some good foresight a year ago.In general, I agree with your sentiment that things will get worse, but I do disagree on general timelines.First, I cannot tell if you mean recession from a traditional standpoint (2 consecutive quarters of GDP decline), the current National Bureau of Economic Research (NBER) definition (a significant decline in economic activity spread across the economy, lasting more than a few months, normally visible in real GDP, real income, employment, industrial production, and wholesale-retail sales) or a general "emotional" descriptor. 

Please note that specific information such as the property address and names of those directly or indirectly involved in this particular real estate transaction were intentionally omitted to maintain confidentiality given delicate subject matter of/affecting health, life and safety.IntroductionHaving provided carbon monoxide (CO) testing of gas utilization equipment for well over ten years during the 1980's and 1990's in addition to having learned about the production, mitigation, prevention, testing, and harmful effects of elevated levels of carbon monoxide due to incomplete combustion of natural gas utilization equipment from a recognized leader/foremost authority on carbon monoxide testing in the industry by the name of Jim Davis—senior carbon monoxide/combustion trainer and consultant for the National Comfort Institute (NCI), who began traveling the country during the 80's and 90's conducting carbon monoxide training seminars for building and HVAC contractors, building inspectors, utility companies and virtually anyone interested in learning about carbon monoxide testing and proven methods to mitigate and prevent gas utilization equipment from producing elevated levels of carbon monoxide in flue gas known to cause CO poisoning—has without a doubt proven invaluable in heightening my awareness of conditions conducive to/indicative of incomplete combustion known to result in elevated/unsafe levels of CO in flue gas.