"Most forecasters believe that rates will decline modestly in2024, but there are many feasible waysrates could remain flat, or even rise.

This coupled with a Afganistan debacle led by a demented man with cognitive decline led a communist nation to be brave enough to invade Ukraine causing European supply chains to be disrupted. 

I have worked with HomeLPC and I have sent many many prospects over to them and they were all declined because of not enough down payment, high debt to income ratio, etc.  

Thats why I think a decline will not affect the Bay Area greatly. 

To have flattish fall or even declines in winter is historically is historically not as unusual as it currently seems with the last decade (excluding 2020). 

Or is it indefinitely (I think some in this forum would love that haha)Does (or at some point in time) this population decline make California a better place to look at investing than other States? 

HELOC can be closed if value declines or credit declines...This is not a loan commitment just the general rules.There are also HELOANS and fixed rate seconds. 

Then just decline this applicant based on finding a tenant that better fits your (legal) criteria.

As my savings declined and I struggled to find a property, I couldn’t help but think about my mom.

It's been a declining program.