You treated them fairly so far, so just call them bluff!

A lot of them are living in Oak Park, Arden, or with their parents.So what I'm wondering, is where are all these 20 something year olds living in Midtown getting the money to spend on $1500 apartments (or $1095 apartments)?

One of the pictures in the original post was in the kitchen and that's where there is newer white oak wood, whereas the rest of the flooring is red oak.

I understand that you can still foreclose from 2nd position, but it seems like a bluff at that point.

Like you, I was with Citizens until I was moved to Southern Oak.  

I work in a very competitive market in the Chicago west suburbs near Oak Park, and I was able to close 9 transactions in my first year and 17 transactions in my second.

@Darren Horrocks I am pretty familiar with all these areas as I currently live in Moorpark and grew up in Thousand Oaks.

I have a meeting with a new offer from Keller William here in Sherman Oaks California, who is going to share with me a part-time program that they are putting together.

@Douglas Harris I invest in my local sub market of Chicago in the Berwyn/Oak Park area, and have been very pleased with my investment returns.

Since we are mid-progress, still have a lot to go including: Drywall (half the house needs it), painting throughout (neutral light gray tones), kitchen put back together, recessed lights installed (all LED), floors re-sanded and stained (original red oak on 1st & 2nd floor), etc etc.