Spending a couple hundred bucks and getting a license and operating within the framework of the existing regulations is much easier.

Here are a few that come to mind besides Bigger Pockets podcast and books (which are great too):-Wheelbarrow Profits podcast, Lifetime Cashflow podcast, The ABCs of Real Estate Investing by Ken McElroy, Raising Private Capital by Matt Faircloth, The Millionaire Real Estate Investor by Gary Keller.There are so many more but these all gave me a great framework to work with. 

These 2 programs will show you what you can do with your accounts, that will increase your scores both on an immediate basis as well as a time in the future i.e. 1-12 months time frame. 

I'm wondering what are the underlying frameworks these funds are working with?

Contrary to what my CPA told me, they are NOT collateralizing real estate assets within the framework of the EIDL loan. 

You have an idea in your head, but the framework for execution is not there.Also, I always recommend 4 unit FHA house hack as a very first deal, no matter the background of the investor.

I was making an observation that many operators will find that underwriting deals to make the numbers work with the new loan terms and reserve requirements (albeit justified) will lead to less new multifamily deals and less operators that can qualify within the framework of the new lending standards and reserve requirements.

It is very important to be the drafter of the agreement, because that way you can set the terms and framework of the negotiation.

We are confident that this strategic shift lays the best framework for the future for Point2, ListHub, the industry and for our customers."

A nice framework to work from that may help a ton.RE: The market stuff...Yeah, this doesn't seem to be a typical "winter" market cycle issue from what I can see.