@Jason RamosIf your DTI is too high, you need to increase your income or decrease your debt.

The only way to bring down housing costs is to increase supply or decrease demand, whether that's by building more, by emigration, or by something else.  

When the cycle ends and a downturn hits, vacancies increase and rents drop which increases expenses and decreases income.

Which decreases your income more.  

It goes on to state that the outgoing Secratary of HUD said that this rate decrease would save the average low income borrower about $500/year.$500 in savings per year would equate to $41/month.

David Beard "It's been stated that an expert wholesaler needs to know as much or more as an expert rehabber (about estimating rehab and ARV) in order to ensure they will make a profit when selling, "Yes its definitley a problem here in TX there are some wholesalers that INTENTIONALLY inflate ARV and decrease the needed repair costs.I am very conservative with the ARV.

The decrease is a direct result from AB284 that has caused banks to stop foreclosing.

Taking a loan is a liability to the company and decreases the value but that is offset by a property usually, but if borrowed without an asset purchase, it can reduce value.Luis makes a good point, passing money back and forth, especially in small amounts.

Bobby the real estate market cycles locally in every market.There are average times that this takes place.For example so long for the market to be stable,so long for the market to increase,and so long for the market to decrease until it hits rock bottom.The pluses right now are lots of motivated sellers in many markets.They held out for a few years thinking things will get better.Now they have accepted it will be a long haul and are ready to sell.Holding out for 2 or 3 years is one thing but 7 to 10 years is too long for many for a property to recover.The plus side is interest rates are low and pricing is great.The downside is liquid capital needed for a regular loan is steep as loan underwriting is tight.If you wait lending might relax with less down but interest rates might rise along with sellers expectations of selling price so you would be at a wash or worse then when purchasing now.The name of the game is too hold onto cash and leverage into a good deal.In the down cycle you buy up as much as possible.

These are areas where the growth is steadily increasing in multiple economic factors: rising population, industry success, job rate growth, and decreasing crime rates.