If one person on the application doesn't meet your credit criteria, you have a defensible, economic reason to reject the application.That said, I'm not a lawyer!

He said that the stock market recent upward trends during near economic collapse is basically an artificial construct that is screaming sell now.

Economically, they look to be great long-term bets.Quick note on the graph shared above - you may be aware of this but it's quite misleading.

Invest in areas that have good economic indicators such as low unemployment, population growth, employer diversity (many employers vs 1 large factory for example), etc. 

The level of confidence is still above its pandemic low of 85.7, but it’s likely to be a long time before it returns to its pre-crisis peak.

What we see looking forward as a result of the predicted economic disaster will a huge demand for affordable housing, a niche we’ve been in from the beginning.

I have 5 calls scheduled with lenders in the coming days but I am hearing that with the uncertain economic times many banks aren’t offering or are lowering risk tolerance for these types of loans.

I've posted elsewhere that you should never count on appreciation, especially given the current economic situation.

@Luke Carl what is the economic occupancy?  

Now if they punch a hole in the wall . . .Heck, Portland is now including economic life in the calculations - Considering most or our City Commissioners have a hard time with HS math, this should be interesting.Most of your stuff looks like normal wear-and-tear.