It makes our business stronger when we listen and adjust to what the audience is telling us.  

I do not see it happening because housing is too large of a segment of the economy. 

Tesla is building a semi truck factory and multiple data centers are bringing high paying jobs and diversifying the economy.  

So we thought it would be helpful to spell out just what we look for in a borrower, and what you can do to make your application even stronger.

If the economy or housing market adversely shift, or if you are buying from a poor originator, or buying loans with low quality borrowers/properties, these results would deteriorate.But if you have capital for just a handful of loans, overall performance averages don’t apply.

You get SOME advantage of economy of scale on a 2-4 units like sharing the roof, one foundation, etc, however single family tenants are generally more caring of the house.

So we thought it would be helpful to spell out just what we look for in a borrower, and what you can do to make your application even stronger.

So we thought it would be helpful to spell out just what we look for in a borrower, and what you can do to make your application even stronger.

Lived in the High Desert for the last 30 years, Biggest problem we have in the high desert is the local economy...

First, when you describe "market", I assume you mean the global economy.