I am guessing the people you're talking about borrowed on an ARM or a balloon loan, both of which I consider to be tricky debt instruments to use and generally I wouldn't use something like that unless I have checked and verified my exit strategy a hundred times.For me the biggest concern in a crash was vacancy.

You can only listen to a good music playlist so many times..Now that I'm in the REI mindset, I'm excited to pair investing with my construction pursuits. 

I still love it- great music and food, good biking and climbing and world class kayaking.