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In this high-stakes game of real estate investment musical chairs, NOW is the time to find a chair before the music stops, bringing to an end high real estate prices and easy financing. Recently there have been subtle changes in the lending market that may actually be much more material than an initial glance might reveal. This is the time for serious analysis of your personal objectives and options because the real estate and credit markets are likely to change due to new supply, flattening of rental rate growth and overall pull back in aggressive underwriting.