I offered 600k 20% down 7% interest 7 year ballon and they declined it.

That assumes you're buying in an area where prices have already declined from the boom years, or your area missed the boom entirely.Do some reading and learning.

I was skeptical about the Poconos area due to many external factors and declining home values.

Frankly, our meetings declined during COVID and haven't really bounced back.

During our discussion, she also tried to flip me to month to month multiple times which I declined as there was no benefit for me.

Yes, contract damages such as this can add up when the market is declining.

They aren't big cities and the population is declining but rental market is fairly solid. 

., the value of the assets in the portfolio will be less, the number of defaults will increase, foreclosures will increase, and with declining prices any equity in the seconds may be wiped out.In a previous posting in this thread I was referring to Dave’s excellent reputation.

If there is a market crash and if the USD keeps declining...

Multifamily properties with significant structural issues, poor location, high crime rates, and properties in areas with declining economic prospects are all bad signs.