However, I think the biggest factor is going to be TWO big players  #1 Institutional investor (hedge funds) who invested in billions of dollars in real estate  #2  Foreign investors (namely Chinese but Australian, Canadian, European too) who bought a ton of US real estate.   

. :)I am European and I live and work as an English teacher in China.

I called the local county commissioner today to go about getting a business license to operate in the county and ran into a bit of a road block. 

The NC commissioner of banks is who regulate the banks and mortgage lenders in North Carolina.

Down here in GA, I search in the county Tax Commissioner and/or Tax Assessor sites for those information.  

Each state has an insurance commissioner and there isn't an insurance commissioner in America that would knowingly allow an insurance company to sell such a product in their state. 

Based on your last name, you must have some Easter European in you as well?

I am teaming up with an investor from London, England (European Union citizen, has visa for the USA) to buy multifamily property in South Florida (Dade, Broward, or Palm beach counties) with a commercial loan up to $800,000 to $1,000,000 purchase price.

Typically they allege a due process violation (i.e. lack of notice) or lack of statutory compliance and ask the Commissioner of State Lands and/or a court to set aside the sale.

Owners in Fredrick Countyhttp://www.fcva.us/departments/commissioner-of-the...Owners in the City of Winchesterhttps://www.winchesterva.gov/real-estate/searchGood luck with the mailing