USbank a company that made it through the housing crash by being very conservative had my credit score 40-80 points higher than credit Karma.  

Hi James,I'm in it for the cash flow from day one for different reasons.After experiencing the market crash of 2008, I decided that banking on appreciation wouldn't work for me.I found the cap rate to be higher on some markets where appreciation is not expected and lower where appreciation is expected. 

Not buy and hold because they can't recreate the same buying metrics that happened in the worst crash in history?

Notice the 'crash' of 2006-2008.

I can not afford to carry any negative properties with my income and only view  appreciation as something possibly down the road if the economy does not crash again.

However, it doesn't feel like we are crashing anytime soon, I'm still cautiously optimistic.

Waypoint bought a bunch of properties in Antioch and Pittsburg during the crash, but those markets are nothing like ours.  

Then of course, if the region is full of these "creatively financed" deals then 2008 happens again.But don't worry, a "global economy" analysis apparently shows that housing prices can't crash again.

This is the question I have always asked myself:Who makes money from a market crash?

Did anyone own LV RE back in 2007-2013 when there was a huge market crash?