If the response to the concern is pointing fingers, we have a problem and not a solution. 

Call banks until your fingers go numb but please stop asking WF, BOA, etc.

It's easy to point fingers.

Hello BP Community,I will possibly be a first-time homeowner in a month or so (crossing fingers here); however, I need the help of the BP Community to analyze the deal.

But you have more experience than I do and a finger on the pulse of this region.

I'm not pointing fingers, it's just harder to practice the most effective methods. 

I have 9 properties scheduled to view this weekend... fingers crossed!

To answer your questions as to how you learn your market and when you know if it is changing, you will have to basically work numbers on deals and get a feel for the market while keeping your finger on the pulse as to how things are trending.  

I'll keep my fingers crossed for some high comps in the next few months!

In the days before the internet  & instant credit checks and background info at your finger tips, a few bad apples were able to fly under the radar, not so much anymore, thank God!