Property values haven't recovered to Bubble prices in many places and the property is now 10 years older and needing repairs to make it sell-able, so that further reduces the value.I still follow up on RM leads because being able to purchase at 95% of current value in some areas would work for rentals for me.

I am currently looking at 2 houses: one would be a cash out refi (needing a 6 month seasoning) and the other would be a 20% down and taking out a first then using a HELOC up to 75% ARV to recover the cash.

Way to recover, and next time I know you'll have an A, B, and C exit strategy in mind up front.  

Charge tenants a flat rate for water to recover those costs.

I expect a handful of these companies to go bust due to debt before oil recovers.

Declining home prices, my a**, more like life-changing appreciation, with the exception of a very short time period which we've already recovered from. 

It is not customary for a personal injury lawyer to request the client recover a certain threshold of fees if the lawyer loses the case.

But then he told me in a reply a month or so later that he was recovered. 

After spending the last 2 years recovering financially, we are planning on finishing out the other side of our duplex.

With commercial, the bank has to leave enough leeway that they can take ownership of the project if it fails and recover their money, or sell the notes to someone else for what they've got in it.