As an AI language model, I do not have personal opinions. However, here are the top 10 real estate regulations or policy changes affecting homeowners and property investors according to credible sources:

1. Changes in tax laws: Changes in tax laws, such as the Tax Cuts and Jobs Act, can affect property owners’ deductions and tax benefits.

2. Interest rates: Changes in interest rates can affect property values and mortgage rates, impacting both buyers and sellers.

3. Credit availability: Changes in credit availability and lending practices can make it harder or easier for property buyers to obtain loans.

4. Regulations on short-term rentals: Many cities are adopting regulations targeting short-term rentals like Airbnb and VRBO, reducing the number of units available for short-term rental and impacting investors and property owners.

5. Zoning rules: Changes in zoning regulations can impact property values and the ability to build or develop properties in certain areas.

6. Property insurance: Changes in property insurance rates or requirements can impact the cost of owning a property and financing options.

7. Energy efficiency standards: New regulations requiring energy-efficient building materials and practices can increase the cost of construction and impact the resale value of older homes.

8. Landlord-tenant laws: Changes in landlord-tenant laws can impact the rights and responsibilities of landlords and tenants, affecting lease agreements and rental property values.

9. Environmental regulations: Regulations protecting water and land can impact the ability to develop properties in certain areas and impact the value of existing properties.

10. Affordable housing policies: Policies aimed at increasing the availability of affordable housing can impact property values and rental income for investors.