It’s much riskier to not have a plan and be at the mercy of whatever government program they want you to survive under in the future .

Imagine if the government did not step in to bail out SVB and the associated speculative VC company deposits? 

Unless you're well-versed in the law governing correspondence between debtor and creditor, I strongly advise against initiating communication yourself.As an example, if you send an email that lacks a disclaimer or in any manner violates, or might violate the law, you will be liable for that correspondence.

ANd to also add fuel to the fire, the Fed government recently inflicted a country-wide policy that any potential borrowers need to qualify for their locked in interest rate, plus 2%, this was put in place to cool the runaway RE prices in certain parts of the country, namely Toronto and Vancouver. 

There are plenty of sites ran privately and by our government that gives you city data.

Every building in Waikiki is governed by their own owners associations, and a big majority of these associations actually despise short term or vacation rentals in their respective buildings.

Mississippi has it.  95% of borrowers don’t read the fine print and don’t know and find out the hard  way

:cool: There's the one rule that should govern your entire financial life.

So now the federal government has decided it has the right to seize all the water rights in the entire USA.The last thing anybody needs is the incompetent federal government managing their local water.

With the government hopefully not planning to butt in anymore with short-term incentives, with foreclosures expected to be on the decline after a glut of alt-a and option arm defaults, and after what will likely be a rough off-season next winter, I have a feeling things will begin to improve next spring where I am.Also, if interest rates start to trend upwards, a lot of potential buyers will see an opportunity about to slip away and may jump into the fray, which should help all segments of the market.Of course, come next year, I have a feeling commercial real estate is in for a bad surprise...