Crashing oil prices to hit house price appreciationThis may take a while to filter down, but at some point soon the strong price appreciation that has been going on in oil rich states will almost certainly halt.

Speeding is the number 1 cause of automobile deaths, and crashes.

If I'm all leveraged up and say ExxonMobil reports that abiotic oil is real and the price of oil drops to .25¢ a barrel and most of my tenants get laid off (I'm in the Houston market), then my ability to provide for my family comes crashing down.

I think it is no different at all....it will be coming down crashing again.

I have several HELOCs at prime (just above 3%) from the glory days of lending before the crash and one at 5.75% at 90% LTV from after the crash.

Yes, I am still leading and running my group, and even did a YouTube live townhall 2 nights ago with an 8 panel group discussing the housing market and our views about a crash.

But, I've always had real estate in the back of my mind knowing that it would someday lead to greater things in life that a 9 to 5 job just won't provide.I became a licensed RE agent a number of years ago which didn't get me very far when the markets crashed and there was an abundance of full-time agents trying to sell properties that didn't move.

My concern was that I didn't want to invest in and grow my portfolio in one market, and then if that market crashes, all my properties take a hit.

I hesitate to use the word "cycle" because it was not a normal cycle but rather a crash.

My husband bought a condo in LA right at the top of the market and then after we got married it crashed down to less than half of what he owed.