Risk is not something that you are worried about, but you were 13 years old when the biggest crash in a century hit America.

However, still well below the growth rates of over 2 million in the years leading up to the crash. 

I know the little old people sacking groceries at Publix from the last crash, the sales clerks at West Marine in Stamford after the dot com crash, and the other little old people delivering the Denver Post after the RTC crash there in the 90s. 

Wasted the last a few years because my husband keeps saying the big crash is coming and refuses to even do some researches.

Unless something major like recession, crash, etc, happen, rent generally goes up.

I didn’t know all were posting, app kept crashing

You have to pay for your personal residence while an investment property will pay you.Sounds like your new friend was a bit over-leveraged in the crash and paid for it in spades.

More and more listings are coming on the market every day, for two reasons: 1) sellers who bought before the crash have now seen some good appreciation and are able to sell for a small gain 2) older long time landlords are ready to retire and are looking to cash in on the high demand for this property class right now. 

What would you do now to prepare yourself for better chances of getting your refinance done should a similar crash happen again?

I have a vacation rental that I have owned since the devastating real estate crash of 2009.