People are going to hold onto their current mortgages at low APR like a loved one because with rates going up they likely aren’t going to be able to afford as much house at the same monthly payment and in a recession there are going to be fewer move up buyers.

A tenant in Milwaukee was suing a landlord for a pre-exsting flea infestation prior to their move-in over 15 years ago now.  

Turns out John hadn't actually wrapped up all lose ends on that front, and was legally not how he presented in terms of gender even though he was legally John, he had down payment funds in a "pre-John" vintage bank account. 

Ski in the cold season. 

Make sure they don't report to personal credit Another option is 0% APR credit cards though those can be risky if you don't know what you're doingI've personally been JV'ing with local investors on deals.

Someone emailed   a pre-screening form Sunday  who said her family size is 5-6 people and total gross income was only $3,100/month (above my preferred  income requirement) . 

While the option presented is expensive...a just as risky option, IMO, is to get a 0% APR credit card, transfer a big balance off of it to my account and use that as my skin in the game for a HML.What are your thoughts?

I know not everyone does, but with the right systems in place you can be almost as busy during the summer months as you are in Ski season.

I like to ski, raft and hike so I hope this will be my permanent  home.  

Imagine a mortgage in the USA at a 24% APR; that is a liability, not an investment.