Further, IF, we are at the Top of the Market and we really do experience another and worse Economic Downtrend this next year, then it will not matter what you do and the only way to save yourself is to Sell everything.

If there was a crash, or recession, would a bank freeze your existing lines of credit due to economic woes?

This way my portfolio has economic risk mitigated(downturn), and political risk(property taxes, tenant rights, etc.).

We both experience the peculiarities of the economical situation here and me I'm the first to say that it's not easy to predict what will come up in the medium term.

The "realtor" who claimed that taxi drivers opinions are indicators of real estate trends vs. the college educated guy who pointed out micro-economic principles of supply and demand, not statistically invalid public opinion of statistically insignificant sample sizes of irrelevant opinions of low income and uneducated people, drive real estate.

It's annoying, but not the crisis many people think it'll be.

Well, while watching the global economic meltdown, I had a thought.

Examples are medical issues, job loss, lost business income related to economic changes, and others that you can demonstrate happened at a fixed point in time and are not ongoing.And others who have commented here are correct, your score was torpedoed because of its recency.

@Spencer Hsu neighborhoods can be distinguished by economics and crime(Trulia Green - Red).  

The financial and housing crisis was actually the catalyst for me becoming a full time investor.