I found the market to be an exceptional rental market for what its worth.

@Javier De la Rosa, following your explanation except for the point why you think that in 12-18 months the real impact is going to hit with unemployment etc.

I appreciate its goal and approach, except I do not want to drive a 1998 Oldsmobile.Has anyone reached the goal during all the craziness?  

Cost/deal COMES FIRST NO EXCEPTION!!

A big part of this was the belief that there simply wasn't any way out of the situation I was in except maybe a very narrow educational out to the middle class.The first rule of life for me was to HAVE RICH PARENTS.

Gutted houses are great because its alot like new construction, except for stud planing!

I don't do regular maintenance on my HVAC (except change the filter).

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(https://www.housingwire.com/ar...) were the big shops that were too busy building up massive pools and throwing money at scaling to notice the rapid transformation of the market and vertical rates - the smaller nimble shops with smaller balance sheets that were constantly in the secondary market were able to pivot much quicker.For the same reason that Zillow, OpenDoor failed, at the end of the day residential housing is still an local market and an "exception-based" business, lots of factors make it easier for leaner shops to compete.I also think when it comes to attracting talent, its hard to get people who are used to agency (QM) loans to expand and do DSCR - its a lot more work! 

Consumer psychology I found missing in all forecasts with exception of mine and maybe 3 others, out of dozens upon dozens.