I used to do everything on my own but it’s too time consuming for meand no ability to scale that way.

The National Bureau of Economic Research classifies a recession as “a period of declining economic performance across an entire economy that lasts for several months.”The residuals of lost jobs, unemployment, and consumer behavior caused by COVID-19 and subsequent “lockdowns” are still being felt across the U.S. — with numbers in April 2020 reflecting largest declines.During this month we saw both job loss claims and unemployment rates — 13.5% and 14.5% respectively — the highest since the 1929 Great Depression. (2)For recent contrast, the peak of the 2007 Great Recession saw job loss and unemployment rates at 6.5% and close to 10% — that’s a difference of 7% and nearly 4% and with a population of nearly 330 million those are big numbers.We are also seeing signs of a recovery taking shape and forming into what economists call a “K-Shaped Recovery”.This article aims to clarify the type of Recovery we find ourselves in, identify who has been most affected, how these changes reflect in the Austin Real Estate market, and review what key economic indicators to watch in Austin and Texas.Why Does It Form a "K"?

I have been thinking that if I added another house and two ADUs to my property I might see a healthy return but on the other hand I have not seen many properties with ADUs sell in the area so I am not sure if this is popular enough to justify the high construction prices associated with ADUs.

Some lenders may perform a soft pull with permission.So once the prospective buyer has shared this ‘unverified, best-knowledge’ information, a preliminary scan of the prospective buyer’s financial health is performed, and the lender then provides a good-faith estimation of how much the loan seeker may be able to borrow.So pre-qualification can be a very quick process – with many lenders providing online utilities that facilitate easy information gathering for this preliminary assumptive step.

Despite the recession potential borrowers have a very healthy loan profiles, due to increased personal savings rates (people staying home because of the pandemic) and increasing equity in their homes, home prices are up 8% from last year.

Flips, yes, but the cashflow with healthy reserves at today's prices are too thin for my time.  

In lower risk areas this is a great approach to today's "I want it now" consumer and as a housing provider can reduce days on market drastically. 

In an ideal world, when the utility is a non-profit entity (government or non-profit run), the water charges would be attached to the unit because a)that's where the service was consumed, and b)non-paying customers offload the cost of doing business from the business owner (the landlord) to the public (the utility).

I’m a big believer in ditching consumer debt a la Dave Ramsey.

Additionally, a "new" tenant has asthma and is worried about her health.  I