The lending regulations and rules are a little tougher, but they are getting easier by the day. My rentals are always purchased in cash. I get a better deal and I can buy houses that others can't. If it won't pass inspection, the bank won't lend the money. I stalk the houses that the seller wants out and doesn't want to or can't afford the improvements. Will there be another bubble? I think yes. There are a huge number of bank owned houses that are being slowly released... If they dumped them all at once it would flood the market. There are still a lot of people that are teetering on the edge pay check to pay check. I see it everyday. People can't afford a $750 hot water heater swap, furnace repair, or anything over $200 without a charge card. America is cash poor. As interest rates rise, so do the payments. The market is strange in Ohio right now... 3 bedroom 2 bath homes are hot. McMansions sit and rot. Small starter homes are very overpriced. If the house needs a roof, kitchen, or bath, no one will touch it. They barely have a down payment, and they want it perfect.... Our rental market is crazy. Not enough units to go around. Will it pop? Maybe. Did anyone learn anything from 2008? NOPE!