@Lucia Rushton I concur that there has always been non-serious people around and many of them were shaken out during the 08 crash.

.- Market crashed and lost properties to foreclosure and short sale.- From the market crash through 2010 I saved as much as I could since I knew my credit would be damaged. - In 2011 Realized prices were very low I jumped back into real estate and purchased and repaired a foreclosure as my primary home.- 2013 purchased all cash a condo near my home .

Cash flowing properties at low mortgage rates are going to be much more sustainable if the market crashes.

The tenant that lost their keys, crashed on a friend's couch and then found the keys when they sobered up.

How well did our clients do during the 2008 crash?

Covid was the only time I’ve seen the whole national market move together upward as fast as it did, but that was an anomaly and even then some submarkets moved upward a lot faster and higher than others. 2008-2010 GFC was of course a general downtrend but some markets held their value while others crashed 50%. 

I agree you could use a HELOC on your current home if you want to get into flipping houses or BRRRR for example, if you are looking for something long term then I would look to getting qualified for a 3.5% down FHA or 5% down Conventional loan for a small multifamily, or single family with another rentable space.I don't know cleveland but I don't know many credible investors saying that houses will crash substantially further in price.

Predicting a housing crash is fantastic click bait, but when you study the data you see whats going on!

Once Fed started reducing rate, unemployment goes up a bit , then the inverted bond yield is normalized, folloed by stock market crash after a credit or default event.

Office space took a hard hit in most markets when things crashed.