Billionaire Howard Marks says there are bold investors and there are old investors, but there are no old-bold investors.Not being overly levered, having proper reserves and stress testing are critical.I like Ramsey as a person, but his main audience is people who shouldn’t ever have a credit card because they aren’t responsible enough to manage it and not get buried in debt they can’t ever repay. 

Originally posted by @James Hecker III: (my comments are below in bold)Thank you so much for sharing this.   

Even most gray have undertones too such as blue, purple or hue of pink.

Forbearance shows up in big bold letters in the same place they list Foreclosures.

I would never be the actual property manager, if that's what you are alluding to in bold.