But you make a good point - as long as we're not over-leveraged or dependent on appreciation, holding on through a downturn wouldn't be such a problem (assuming prices rise again eventually).Corby, I like your reminder that we can't time the market, and your suggestion to have at least two exit strategies - although of course those depend on a certain property value, and would necessarily change if values were to tank badly enough.

I totally get being risk averse, but money sitting in a bank is actually more at risk due to inflation that putting it into a safe investment.

This means in a rising rent environment you are locked in for 4 more years at the same rate, while likely your taxes and insurance go up. 

Even though prices over there are already inflated but they are still affordable and, there are a lot of inventories that I could dream of where I currently live.

The two main scenarios where the lender would have an incentive to do such would be if and when interest rates rise dramatically or when a lender has purchased the note from the existing note holder at a discount.Back before the due on sale clause became standard, properties where purchased subject to the mortgage, or with a mortgage assumption to (1) preserve a lower than market interest rates when rates rose from 4% to 18% in a matter of 5 years, (2) to purchase a property where the borrower would not qualify for a new loan, (3) to finalize a property transfer faster than if a new loan was obtained and (4) to save the fees involved for loan origination, processing, underwriting, etc.Today, subject to property acquisition works best from a buyer perspective when he is able to buy the property with little or know down payment, so his equity exposure is minimal and he has no liability for note payment.

Protects my personal liability from my investments & protects me from rising interest rates with a locked in rate.FUTURE POSSIBLE STEPS:Portfolio Loans for PurchaseCross Collateralization Large Lines of CreditHELOC (Home Equity Line Of Credit)I still rent where I live haha.

Trying to optimize my rent rates and inflation!

Hi all, I have a high rise condo's carpet needs to be cleaned.

@Samantha A.Knowing that you'd love to start BIG - If I were starting off in your shoes...I'd go with a 506(b) syndication in the B & C Class Multifamily space - here are few reasons why.I like making my money sweat for me at a rate that far outpaces inflation!

@Jeff Bousquet Jeff, I work in the industry, and default rates do tend to rise for remote investments.