Inventory is rising.  Interest rates have gone back up into the low 6's for 30 year mortgages.  New laws make it more difficult to help people who need a rental.  Proposition 33 if passed will cause rentals to become even scarcer in California.  Is FEMA broke?  Do you need flood insurance?  How much does flood insurance cost?   We discuss all of this and more on this week's Real Talk.  Real Talk is the Right Side of Real Estate.