The market has since seen its worst drop in value since the last recession only 12 years ago.Not to mention, the additional 0.5% on refinance government mortgages mandated by the Federal Housing Finance Agency (FHFA) on all Fannie and Freddie Mortgages will raise the costs for average income families in these crazy pandemic times.How do you see the many jobs losses, raised borrowing costs, non paying tenants leading to unpaid rents and higher vacancy rates turning the difficult market condition into a new wave of Real Estate opportunities?

The worst thing you can do is get down on yourself and give up because you've lost a few.

I think no, for 3 reasons: 1) The tax deferral of a 401(k) is an awesome benefit and one of the few that busy W2 professionals get2) Interest rates are very low and debt is cheap right now, so buying free and clear largely doesn't make sense3) Having some exposure to the stock market isn't the worst idea in the world.

But I'm also assuming the worst when it comes to reno.

I haven't completed yet but the worst case scenario is you will just need to purchase the new property as investment and pay (.5-1% rate higher) plus more downpayment. 

The worst case scenario is for a person to be exposed to a preventable disease that is 100% fatal.

If you're going to send them a RUBS bill, odds are after their co-pay, they don't have it.Depending on the income restriction (HUD project contracts are the best/worst), you need to do a lot more compliance paperwork.  

Worst thing in the world would be to put new flooring down and not have the smell out.

So find the worst place in the best location that you can afford.Once you have the place, everything else will fall in place by educating yourself and taking action.

You want to look for the worst house in the best neighbourhood-well sort of.