The nuances here are that there may not be a foreclosure wave for people who were in trouble and want to stay in their properties.PS:  I have now witnessed several hard money lenders who have stopped lending. 

This is VERY normal in lower priced Apts in immigrant neighborhoods.What happens is that they Landlords then are accused of being the Greedy ones, seen as charging more rent (because of the increase of utilities), allowing undocumented workers to live there in large amounts to have more rent money!

During one visit, he witnessed "some behavior" and game over. 

If you are suggesting he is a liar and that he is lying about his observations than that is a very different accusation than the incorrect one that he has not provided evidence. 

I would like to take one topic, an enormous one, and explain how the regulated world of loans for housing has the adverse consequence of perpetual increases to housing prices all across the country, witnessed personally by all of us in the last 20-30 years, where few comprehensive answers to why markets continue to increase in price have been found.

You shared your approach and as soon as people disagreed, you start accusing them of investing in non profitable markets?

Unfortunately MD passed within the past 10 years a statutory scheme requiring third parties to accept what appears to be a validly executed, notarized and witnessed instrument... so if they insist we must accept.

I've spoken to some of the neighbors, most of whom saw what happened, but, as often happens to be the case, if you ask ten witnesses what happened, you'll get ten different stories.

As of March 31, 2020, all real estate closings in Georgia can be conducted with the parties being remote, with notarization and witnessing done remotely as well, for so long as the Public Health State of Emergency is in effect!

I've witnessed it firsthand helping FSBO sellers, selling FSBO myself and just knowing many that just think they can't do it.