The March draw back to recovery timeline was almost impossible to speculate.

We do NOT speculate, we invest, and we “structure and buy based upon worst case” and NOT best case speculation.

The LTR is largely speculation. 

We can speculate based off past events of similar circumstances but those are just opinions at this point. 

And there are good deals and bad deals today.If you have sound buying fundamentals, -- buy at a wholesale price-- never speculate-- create appreciation through value-add improvements-- buy for cash flow-- obtain favorable financing terms-- stick to workforce housing areas-- don't skimp on due diligence-- stress your underwriting-- have multiple exit strategies.If you think you're limited on deals & capital.. you will be.. regardless of what's happening in the marketplace.

California has long been seeing people exiting, and I'd speculate that COVID will increase that trend. 

Undoubtedly, some banks will not do that, but either way is speculating.

This is all speculation of course without knowing the property at all. 

I have seen some revitalization east of 71 hwy but for me, it's still too speculative for my current conservative investing goals.

BIG is speculative because we all have very diverse portfolios and niches within the real estate world.