I agree that comparing 4- units to 5+ units is apples to oranges, but sounds like you were getting at something deeper here.Thanks!

You want to always be comparing apples to apples.

These are apples and oranges compared to pre-2008 when they gave out liar loans.

It is not a few bad apples, it is a profession that attracts bad apples.

Either recession or no recession, most RE riskiest investment from top to bottom:a) > 80% LTV, epecially with I/O only or too short-term ARM and need to be refinanced within a few years from 2022b) 50-75% LTVc)  <50% LTVd) those who doesn't have adequate reserves.In any good/bad time scenario, it's prudent to have at very least 25-30% LTV. 

What prices are we talking about because as many fo us just ran-away with what we understand this as, it's a good point to make sure were talking apples-2-apples here. 

FL, NY, MD, CA, VA, NJ, Horizon Bank, Kalamazoo MIHuntington MI 75% LTV 5 yr IO product available.

Episode 10 of the Young Slumlord Podcast it’s on apple, Spotify, google, YouTube etc.

Lower expenses by canceling reoccurring expenses (gym, Xbox live, Netflix, Apple Music and so on) eat at home things like that the little things add up I recommend budgeting and tracking to see where you can make those cuts.

@Bruce LynnHi Bruce, if you have friends at Facebook, Amazon, Google, PayPal, Apple and other tech firms, it might help to check in and they will tell you how each of them are lapping up office space in NYC in an unprecedented fashion.