Right after the last crash, we were operating a successful fund that bought severely distressed commercial loans out of banks.

.- Takes me back to right after the 2008-2010 Great RE Crash when many high FICO score homeowners walked away from their upside down houses and rented.

Hiring is slow, not frozen.This environment typically supports gradual rate adjustments rather than aggressive moves.What This Means for Mortgage RatesInflation is cooling.Labor data is softening beneath the surface.The Fed remains cautious.Housing affordability is improving.That’s not a crash setup.It’s a stabilization setup.And stabilization is often what allows spring markets to gain traction.What to Watch This WeekFed meeting minutes (Wednesday)Q4 GDP (Friday)December PCE inflation (Friday)Builder confidence + new home sales + pending salesMarkets will be watching closely for confirmation that inflation continues easing.Technical SnapshotMortgage Bonds are testing resistance near 100.38.

Even the big boys have been badly damaged lately in MF, so a person hoping to succeed needs to bring a serious toolbox to the situation--and it had better have a lot of experience and a lot of cash and a lot of investor and industry relationships in it if you don't want to crash and burn.Having said that, I will agree that now is a time at which some large MF can be purchased for an attractive price, but again you're going to be swimming with sharks if you aren't cut out for buying a property for 6.5% interest and taking investor capital to do so. 

Prices aren’t crashing.

There's nowhere in the USA, that I'm aware of, where you can just buy any property and have it cashflow - unless you have a time machine😮For those of us that were investing prior to the Great Crash of 2008-2010, it's back to the decades-old basics of investing.I remember advice an seasoned professional gave me almost 30 years ago: you'll need to look at 100 properties to find maybe 10 worth making an offer on, in the hopes that 1 is accepted.How are you going to program that in your AI model?

I was working at a bank right before the last crash when I started.

If you think about it, anyone who bought a property the day before the housing crash in 2008 is actually doing better today if they kept their property.

Enjoy the read and love to hear your feedback2026 will not be defined by a market crash or rapid recovery, but by recalibration.

As Peter Lynch noted, investors often lose opportunities waiting for crashes during ongoing bull markets.With rental properties, you can be more creative in increasing your cash-on-cash (CoC) return.