I don't know if the lenders think they can get around the act requirements by leaving out the Garn exceptions, but I suspect in today's political climate, they would not want to try.

Great weather (most of the time) , beaches, fishing, great business climate, no state income tax..the list goes on.

These people aren't zombies that are sobing and crying or have a disorder that will make them sell the house for less.

Two years later in a harsh climate and still no leaks and it looks good. 

@Russell NaylorYou'll want to look into a couple of things...The Veterans Administration has a supportive housing initiative to promote housing veterans near where they get treatment for injuries and psychological disorders as a result of their service, or near public transit which can help them get to their sources of treatment.

One of the early things I learned is that hoarding is actually a phycological disorder.

Look no further than the burgeoning landscape of medium-term rentals in and around Modesto to discover viable returns.The real estate climate in this region has been witnessing a remarkable surge in medium-term rentals, offering a sweet spot between the high turnover of short-term rentals and the complexities of long-term leasing.

Property Mix 147 self-storage (mostly climate controlled)approx 20k sf office/ work-space.  

It's a dry almost desert climate.

The upper end for a poorly insulated, leaky building in a cold climate.