What risks you chose to subject your own family/children to in raising them (your particular religion (vice another's)/Pop Warner full contact football/ you get the idea (or else you're too stupid to contend with)) is very different from what society will allow you to subject others, with whom you only have a COMMERCIAL relationship.

I would contend that the risk premium for a non-owner-occupied investor flip would carry a much higher risk premium than the Fannie/Freddie 30-year fixed.

I'd say the majority that apply ahead of time without seeing the place, don't even qualify and are just throwing darts in the air to see which one they can get, and aren't really serious contenders.   

You may also have your state regs to contend with besides Dodd-Frank.

If you default, the government agency backing the loan may contend you never intended to live there, hard to prove, and you may not have all the default protections an owner / occupied loan has.

After a few weeks of market research, we have narrowed our search to three cities with Murfreesboro, TN as a strong contender. 

California is such a vast state, that there are pockets where wholesaling is very profitable, and areas such as Orange County, where there are very few opportunities for salers from what I see.As for working as an agent, there's still a tight real estate market to contend with, so the deals aren't just falling in anyones lap, so .. what's the wholesale market where you live, and the traditional market that agents work?

Joshua you are in the ring and all of my respect goes to you, the contender, but, I dont think anybody who is knowledgable and a regular contributor needs their numbers to drop.

Regardless of the back and forth, I still contend that for building a "buyer's list", you have much better options out there, why go down the bandit sign road if you don't have to!

Therefore, I would contend that much much bigger forces than realtors had a hand in this.I think the bigger forces at work (and we will probably never know the full scope) wereInterest ratesLegislation- Glass-Seagall Act, Community Reinvestment Act & updatesJobsAs Mr.