@Jay HinrichsMy messages and traffic don't really hold up the that dim perception, Jay.

I wrote a blog about SEC 8 that you can find here. https://www.biggerpockets.com/blogs/9232/blog_posts/55313-intro-to-section-8---your-perceptions-vs-my-realities

In theory a shift to a buyers market means buyers have a reason to not buy whether its perception or real reasons (job market, economy, interest rates) If buyers aren't buying they still need somewhere to live so they will still be renting even at a lower rate.

There are pockets in most zip codes of Memphis that are not so called "war zones" I understand my perception of a war zone is different from everyone that will commit on this forum post which is fine.

Again a deal is all in the mind or perception of the parties involved.

Subdivision HOAs often have pretty low annual dues, but can still be quite severe in compliance.Condo HOAs can also be SFR, attached townhomes, or the more common perception of vertical apartment boxes.

What is good about a corporate Guarantee is name recognition/PERCEPTION,  decent financing, and higher value if you are a seller.  

A deal is a deal based on the market at the time, not some perception of a future market and its conditions (again within reason).

Firstly, I commend you for having this perception at this point in your journey.I would state that at your working age you have considerably more longevity and runway and time for compounding returns. 

The perception and judgmental impacts are too high.