I have calculated the ROIs of a buying a rental property versus simply buying into the SP500 and sitting back for 30 years.Rental Property Analysis:Initial Cash investment - $45,000Purchase price of $200,000 on 20 year termCash Flow neutral for loan term of 20 years.Cash Flow positive for remaining 10 years. 30 Year Approximate Net Profit = $110,000 Cash Flow + $300,000 EquityROI = ($410k / $45k) or 911%Stock Market Analysis:Initial Cash investment - $45,000Purchase shares in SP500 Index Fund30 Year Approximate Net Profit assuming 10% growth rate = $847,683ROI = ($847,683 / $45k) or 1883%Am I missing something?

So i would say if your shopping in the affordability index and you have a job in medical, utilities, gov, education or other essential service rates are low and its time to buy.

Mortgage rates have fully decoupled from the t-note, from the fed, from the S&P, from all of these other random indexes that do not require mortgage professionals to stay where they are.This is what is going on --> https://www.biggerpockets.com/forums/49-private-conventional-lending-discussion/topics/815627-the-i-must-think-about-refinancing-crew-missed-out-nah?

I'm in index funds when things seem ok and in cash at times like this.

Rates around 3.25%.Hospitality lending has essentially grinded to a halt.Lobbying is ongoing with FHFA to widen lending capsFannie is generally 10-20 bps wider than FreddieRecent quote for a 10 year Freddie 75% LTV/1.25x, 5 years IO , 279 spread over a 75 treasury floor, 3.6% rate with 5bps for index lock.Life insurance company's still lending, rates with 3%-3.25% floors.

Sure CDOs played a big role, but do we not have the same thing in Mutual Index funds (crap and good stocks mixed together in a fund and sold to a third party)?

Key stock indexes are down about -8%, Bonds (TLT) are up 5% and the panic continues.Our inbox is filling with questions from investors asking:Is my investment safe, is this 2008 all-over-again?

Key stock indexes are down about -8%, Bonds (TLT) are up 5% and the panic continues.Our inbox is filling with questions from investors asking:Is my investment safe, is this 2008 all-over-again?

Looking to put some into index funds during this market crash.

@Olivier Meijer Don't forget to open a Roth IRA and max it out every year into a broad based index fund.