A lot of people got burned last time around and there seems to be a more cautious mentality on the investor side.

The problem/challenge is actually finding properties that make sense, its damn easy to burn yourself.

If you knew that heated seats could catch on fire, without you knowing it until the car was burning, you'd probably be less keen on heated seats ;)

Jerryll Noorden Can you send me your SEO resource as well, it sounds like I should burn my direct mail and focus on a nice website?

If we use good business principles and don't STAY highly leveraged, which is really gambling, we don't have to be burned when the upswing of a cycle turns into a downturn. 

My hometown of Redding CA is burning.

The top 10 largest employers in Kansas City are the following:Federal Government, Cerner Corporation, Children's Mercy Hospitals & Clinics, Internal Revenue Service, City of Kansas City, University of Missouri - Kansas City, Honeywell FM&T, Hallmark Cards Inc, Saint Luke's Hospital of Kansas City, and Burns & McDonnell.

I know you'd never plan on intentionally paying him late, or defaulting on the loan, and you hope the house would never burn down and you'd find out too late that you had the wrong insurance, but it all happens. 

HVAC: Need to insulate and drywall the garage ceiling now potentially with more sheets of drywall at the ceiling since now someone is going to reside over a fuel-burning device: Car.

They absolutely will crash and burn within a few months.