Many times, you are representing other people in what is likely the largest financial undertaking of their lives.

It was very inefficient and those were my three largest issues.

In our area, the largest employer Apple did not even have layoffs.

And because of the similarities between codes and jurisdictions and other government entities I can do this for just about any part of the country (granted the largest cities like LA & NY are their own special case).

I just saw your post about being in the Houston area and definitely want to invite you to check out the Realty Investment Community of Houston, the largest, oldest and (IMHO) best REIA in the country!  

POL came on the scene and they were doing HML at very high rates and points in NJ .. so my back ground other than recreational private aviation that I pay through the nose for.. :)  is HML  and I am thinking wow .. this is going to some heartache and sure enough some of the folks that posted have done like 10 loans and 7 are in default.. the foreclosure time in NJ and NY two states I personally would never be a lender in is 2 to 3 years.. and by the time you get the asset back its ouch time.. and that has played out for some folks and there is a high profile one in Atlanta that has been going on for years.. suppose to sell at 6.5 million and its listed under 3 now.. although I think they may get their principal back or most of it but its been 2 or 3 years.. and you know how investors get stressed.. and then the other issue I saw coming with crowd funding .. and remember my background is I have owned 2  Hml companies over the years one of them in Oakland CA with 250 clients and about 50 million under management.. these guys went about raising money from 5 to 10k investors and would literally have 20 or 30 investors in one loan..

I have done that already, and in short I came to following high level findings.Positive impact on appreciation: -area was historically undesirable due to association with “East Austin” demographic stereotype, but that his changed rapidly in last 10 years due to proximity to downtown, universities, corporations moving in, redevelopment of parks/recreations etc.

Hey Everyone,I've developed a list of the largest owners of residential holdings in the counties I'm working in.  

Here are demographics and economic factors we're watching that could translate to a housing slow down.The largest group of borrowers, baby boomers, are aging out. 

Julie Andeson ClarkRick DavisDavid NachmanIf you google them their websites will come up.Julie is by far the largest landlord attorney firm, has her own eviction days where only her cases are heard in Kansas City Missouri - she will have a table at the MAREI meeting tomorrow night and I am willing to bet that David and Rick will stop in if they are not on vacation.