Hey y'all,My name is Kris and I wanted to introduce myself to the BP world.

Or whenever this whole thing is over and people return to work, will they return to their old ways of going out and spending every dollar to keep up with their fake instagram world?

In the private/commercial lending world you can use 100% of the rental income if rented and 90% of market rent (per appraisal) if vacant.

I was a credit manager involved in credit and lending in the commercial area and understand the world of ratios, like DTI, how it's applied, how rules are bent.At one point, like you, I was up to my third property, triplexes and a SFR, all cash flowing, when I went in for a refinancing.

Even with the crazy stuff going on with the earthquake and pandemic, I have not noticed anything slowing down in the real estate world in Utah.

I reserve the right to be wrong, but with the entire world working on vaccines and treatments, my bet is that the threat posed by the Corona virus will fade significantly in the next several months. 

My name’s Jose and I’m basically new to the real estate investing world.

Just thought I'd revisit this thread and wow how the world has changed since then!!

With everything going on in the world right now, I am skeptical on the likelihood of flipping the property as an alternative exit strategy.

With the rules that are temporarily in place, I don't believe that any property is truly recession resistant because the government has found a way to make the best recession resistant asset in the history of the world very vulnerable.