Everyone has their comfort level, but in the end - "Fortune favors the bold!".

Interesting how all of the people that make bold claims about the future that turn out to be wrong disappear and the very few that are correct will be shouting how they were right from a megaphone, whether it was from actual intelligence or they got lucky.In regards to your question "is now a good time to be starting in RE or should people be waiting for this big crash that is being predicted?"

I’ve seen some CPAs try to be so bold, but it’s not a good idea.I recommend one if two solutions based on the situation:Preferable option: GUL with living benefits- this is a low cost policy.

I don't have the bold personality to do those "no money down" deals, because they borrowed all the money they needed from family and friends.~  If you have a retirement account, take advantage of the CARES Act that allows you to take out up to $100K penalty-free.

I have a beautiful wife andtwo boys at home (the boys own the responsibility for my continuedhair loss), and believe I finally have the right pieces in place tostabilize life for my family (retirement planning, expense control,etc), so I can now begin part 2 of my journey by jumping into REinvesting.While I am new to REInvesting (aside from the books I read by Brandon, David, Scott &some of the other Bigger Pockets team), I have been around investingfor the last 20 years (mainly investing in stocks, but also somefancy derivative trading when I am feeling bold).

Fortune favors the bold. 

In regards to your first bolded statement, FHA will want you to "owner-occupy". 

This last point is in bold because I feel it is the most important.

Bold is mine.Hello Johann,Thank you for contacting Apartments.com Support.I can clear that up for you.

Essentially, Biden is doing there complete opposite of trump, reinvigorating fair housing policies, but also adding bold new pieces and someone could get in trouble if their currently allowable vetting methods result in disparate impacts, however unintentional.