I can see a further decline in home ownership because of these.  

Even if an overall area has a declining population, there may be certain areas that are growing. 

The lowest rate of those 10 places you called doesn't want to take 50 applications and fund 50 HELOCs, they want to take 50 apps and a) fund 10 of them as-quoted, b) re-trade 20 of them (offer a higher rate or lower line amount), and c) decline the last 20. 

Population growth shows a slight decline since 2010 and the crime rate is below the national average.

@Chris Seveney Facts supporting when rates decline prices go up just happened in the past 2-3 years.

Nice, i don't think this current price decline in Austin will last long, nice to seize this opportunity before everything ticks up again

In extreme scenarios; inflation accelerates, commodity prices (like gold) spike and mortgage rates and equity markets decline, which could force investors toward hard, tangible real assets for rapid wealth and asset preservation. 

Yes, he has to return a form to me by July 1 and either accept it or decline it.

In ten years, it will be worth the same as $748 today.The takeaway is that no matter how many properties you own in a city where rents do not outpace inflation, sooner or later you will be forced to get a job to supplement your declining rental income buying power.How do you select the city?

That combined with traveling professional demand declining could spell trouble.- Risk of vacancy - What gets overlooked with this option a bit is that a small vacancy (even 1 month in many cases) can erase any monetary upside when compared to a 12 month lease.