Can't compete with that, but I recently had a CFD borrower decline my modification offer that would have lowered her payment by about 40% by extending the term.

National vs local can be very different.I don’t foresee a real estate market decline, I don’t think that values will continue to rise as rapidly as they currently are but I also don’t see a decline in the near future.

At the national level you could have half seeing sharp declines and the other half large increases and overall at the national level it is flat.

.* Keep your debt levels low and always take out debt with long maturity tails, even if the interest rates are higher than shorter term debt, because this will insulate you against being forced to refinance during a downturn* Favor properties in areas with higher population density, a growing employment base, and a history of not having declined in value precipitously during the last downturn.3.

The rebates are starting to decline and will be gone in the next few years (2021 or '22 I think), so I am curious to see if anyone has any experience. 

It was listed at $65,000 after several price declines from $112,000.

Also, try not to name it anything having to do with REI - you will get declined just on the basisi of the name...

“Sales below $500,000 dropped 21 percent on a year-over-year basis, while deals of $500,000 or more fell about 3 percent, marking the first annual decline for that price category in nearly two years,” said LePage.

My parents are retirement age and my father has had to continue to work despite his declining health to pay off the remaining  100k of a refinanced loan they took. 

Be sure that any investment can be stressed test and handle a decline (correction or collapse).3) Position yourself (whether that's waiting, or learning, or building relationships) to capitalize - both when times are good & when times are bad.