Have you applied at any small neighborhood banks or only the banks with over a billion dollars in assets?

There's billions of dollars there, and that's got to be tempting for the politicians.

The trouble is that places you in the same boat as a billion other people.

What happens to those billions of dollars?

@David Jacques   When I met with the Realto guys they had just gotten their 5 billion in Tarp funds.. 35 YO Harvard grads running around buying up banks that were going under..

.  :-)That said, he manages a billion dollar mutual fund, so recommending the market may be a bit self-serving on his part...

According to a recent #BloombergBusiness article (Starwood Bets $5.4 Billion that Apartment Rents will keep Rising, Oshrat Carmiel, October 27, 2015), Starwood’s CEO, Barry Sternlicht, indicated that the purchase decision was made not on the presumption of strong rental growth, but on a rent growth that is projected to increase just marginally over inflation.

http://www.har.com/content/newsroomHighlights are:Single-family home sales fell 10.2 percent compared to October 2014, marking the fifth and steepest decline of 2015;Total property sales dropped 12.1 percent (7,026 units);Total dollar volume decreased 8.3 percent to $1.8 billion;At $271,648, the single-family home average price reached a record high for an October;At $205,000, the single-family home median price also achieved a record October high;Single-family homes months of inventory climbed to a 3.5-months supply versus 2.8 months a year earlier;Townhomes/condominium sales dropped 17.3 percent with the average price flat at $196,242 and the median price down 1.0 percent to $146,500;Leases of single-family homes rose 4.1 percent with rents remaining unchanged at $1,708;Leases of townhomes/condominiums jumped 12.4 percent with rents sliding 5.0 percent to $1,510.

On their site under research are alot of studies show value investing outperformance over timewww.gmo.com Manager that runs tens of billions.

Add in the $211 Billion in commercial loans that are starting to reset, and there is a ton of inventory.