So correct me if I'm wrong but what does anyone have to be scared of if the following conditions apply in a meltdown1. youre locked into a 30 year conventional or 7 year commercial loan and the banks cannot re-appraise or call in full your loan as long as mortgages are being paid  per the closing docs2. your rents can take 25-35% cut and still break even on all mortages, taxes, and insurance3. you live in a populated and buzzing area where demand has always been heavy and unless a bomb dropped on it (yay insurance) you shouldn't have trouble finding renters4. downturn --> people lose jobs and homes or try to downsize and  turn to renting  (good thing). 5. have solid tenants that have older co-signers (parents, guardians)Am I missing something that the banks can still do to me even if I'm paying my debts on time?

@David Simon I haven't tried using those sites for comps but I use Zillow and put "Recently sold" then play with the filters to get something close to the house I'm looking for.

If I can play that game online, I'm all for it!

Or, they can demand a higher security.

I’ve been tip towing and playing cautiously for far too long.

They just want a spot to play video games and get drunk 

With the university and Little Italy it provides a strong demand from students, residents, and say young professional looking to have a close commute to the loop.

@Christopher FreemanSince cap rate represents a risk premium it fluctuates by market, property type and class, demand, etc.

I also use CL and Zillow, as mentioned by others here, to setup ongoing rental email alerts for properties similar to mine, to get a sense of current demand and to set rental future rate adjustments .

If they are booting, there is going to be an increase in rental demand in that area.