While jobs are an issue, this added stress is going to cause wall-street to move into safety (bond market) and this will bring down mortgage rates.

It's honestly causing me a ton of stress.

I have a few times had a guest cause damage and be upfront with paying for it.

In certain situations additional lien on credit and excessive trade lines can cause future DTI issues, lower scores and denials on future loans.The rates our lower on mortgages versus Heloc right now and the terms are longer for example 30 year mortgage versus a 8-10 year Heloc and most carry prepayment penalties so if you want to pay it off early they can hit you with a prepay penalty of 6% or higher.Refinance allows you to have cash in hand and avoid the scary "What if" factor meaning loss job, lost income, late payment, over leveraged and if any of these things happen your credit limit gets reduced and in most cases closed completely.

You have the standard property policy in play (homeowners / commercial property), which usually do "not" provide coverage for a busted pipe out in your yard that causes "no" damage to your home/rental building. 

Then when they get down to the last few properties or have lower inventory then they "fire sale" them out causing the market to take an immediate down price.As I mentioned to my investors multiple times last year and this year stay away from New construction or New builds in smaller towns or as the last few phases are being built if at all possible unless you are building your own multifamily 2-4 unit rentals.

She says she remodeled her kitchen a long time ago but never got a permit from the city and there is no way the city would know. besides, based on my preliminary research, remodeling a kitchen doesn't cause a reassessment anyway. 

There were 72% more condo sellers than buyers in August, marking the fifth straight month that figure has topped 70%, according to a new Redfin analysis.https://www.newsnationnow.com/business/your-money/more-condo...That makes spring and summer 2025 the strongest condo buyers’ market in more than a decade — aside from April 2020, when the pandemic briefly froze home sales nationwide.There are nearly 110,000 more condo sellers than buyers: RedfinHigh prices, rising HOA fees and soaring insurance costs have cooled demandFlorida is at the center of the condo cooldownRising HOA fees and higher insurance costs have made ownership less affordable, while new regulations in states like Florida and California have added complexity, Redfin noted.Price growth has also stalled, causing more to question whether condos are a smart long-term investment.

Then we have more Bid's/Offers and some people over bidding to win which then also causes a trend on appraisal value increasing.If you ever have ny questions feel free to check out my profile and reach out via message or email. 

They always pretend to be confused and just want us to send someone.7) Some will cause damages that S8 won't require to be fixed, but will threaten to move if you don't fix it.