Keep in mind that The Federal Reserve is a bank to the banks, Read “The Creature from Jekyll Island” about formation of the Fed in 1913, there was no Fed before that.

The Conventional Rules For a Cash Out LoanFannie Mae and Freddie Mac are the Government Agencies that sponsor conventional lending.

It's the government.

For the 10-year period spanning July 2014-2024, single-family prices in Austin nearly doubled, yielding an annualized appreciation rate of ~9.6% in that period.Recent data has given the Federal Reserve confidence that it has successfully tackled problematic inflation while avoiding a recession.

An FHA government loan allows for up to 96.5% financing up to 4-unit property. 

That means that all other liens (except local government for things like sewer, demolition, etc) are no longer on the property.

Local level is where you need to worry, not federal level.

Lending would cease over night and government bailouts would commence.In my area of NE Ohio we are considered disaster free and generally we do not have any of the catastrophic issues that other parts of the country do... welp until last week when three tornados rampaged across three counties ripping down trees, power lines, roofs, siding, and putting over 500k people without power for a week - some still don't have power nor will they until all the trees are removed from the power lines. 

Would you treat a rental nice if you had it paid for by the government? 

First, does your lease address the issue, (such as in this example):  "Tenants will obey all local, regional, and federal laws or be subject to eviction."