While we have never had anything declined it has added some significant time to our projects. 

The market that I'm in right now is getting too expensive and also the population is continuing to decline.

With the government hopefully not planning to butt in anymore with short-term incentives, with foreclosures expected to be on the decline after a glut of alt-a and option arm defaults, and after what will likely be a rough off-season next winter, I have a feeling things will begin to improve next spring where I am.Also, if interest rates start to trend upwards, a lot of potential buyers will see an opportunity about to slip away and may jump into the fray, which should help all segments of the market.Of course, come next year, I have a feeling commercial real estate is in for a bad surprise...

The population has been declining there for way too long for me.Chicago has the best cash flows I work with, the Texas cities are always a good bet but their cash flows are a little hindered by higher property taxes but they should still work, Phoenix is a no-go, Atlanta is still good but financing can be tricky unless you have enough cash to make up for a low appraisal (sounds like you do), Charlotte is good, Memphis is good just not my pick, and Indy and KC are always cash flowers but little appreciation potential.If I were to buy tomorrow, it would be Chicago, Atlanta, or the TX cities.

There are places that have seen some decent decline in values.

I have also sent letters out to absentee owners and several want full market value which I declined.

That's what our defense department also believes.That threat will be hastened by our rapid relative decline because so many people seem to think that the government is the answer to all problems.

Some of these have had rapidly declining cost per kWh and one has to consider that when evaluating oil stocks because stock prices largely reflect future expecations and not past results.e.

It is interesting your wrote this and mentioned the decline of the dollar.

Overall the area is agriculture and the area is in a slow decline population wise about 10% loss in the past 30 years.