Now I have a mix of hold and crash pads along with buying flops and selling them to local investor's.

Fannie/Freddie got ultra conservative during the crash, and have been VERY SLOWLY relaxing things.

I watching something from BP which recommended something else, which recommended something else and like 4 recommendations later I came across this video series called "The Crash Course" that's all about our money system and how it works, how banking works, how the fed prints money, inflation and on and on and on.

I personally was empowered when I realized that my worst case scenario is better than millions of people's best case scenario (I have a friend that would let me crash on a couch for a couple of weeks until I figure out what to do lol).

In the next 2-3 years it'll hit hyper supply, and then 2 years after that, a sharp drop in prices and the crash occurs.

I also think a lot of banks' views are still colored by their experience in the crash (and rightfully so).  

But I noticed that a lot of the people got in / started at around the crash.

Housing Starts, Permits Plunge In February As Rental Units Crash by Tyler Durden Fri, 03/16/2018 - 08:41 Amid two months of dismal housing sales data, and after spiking in January, starts and permits just plunged in February, driven by a collapse in multi-family unit data.The 7.0% plunge in housing starts (-2.7% exp) is tied with the biggest drop since March 2017 and the 5.7% tumble in permits (-4.1% exp) is the biggest since February 2017...Year-over-year, the picture is just as bad...

Kind of an ongoing issue since the crash. 

Today it is work just about $280K; 8 years after the crash!