I personally don't do HML deals, but I'm from clients across the board that HML rates/terms/points/fees have gone to crap (or, really, they went back to where they always are when Wall Street isn't buying the paper).

I know people that have rented 40' shipping containers "for a few months" and they're still sitting on their property after ten years.It's ridiculous what people will pay to store their crap.

Appraisers get things like that a lot and usually they are crap, someone cherry picking a high comp from 2 years ago, saying how much they spent on upgrades etc.

Your agent will give you crap if you leave early but understand their job is a commission based job so they’ll loose money if you leave.

Complete crap.  

That was never my intention, I’m in California too and all this crap is just getting to me.

The IRS doesn't give a crap about your loan underwriting. 

Sure the cash flow looks great, but your ROE is usually crap.

You’ve been reading too much guru crap....1) if you think a POF for a Cash offer is anything other evidence that buyer already has the cash In Their Name.2) you want to try working “in all 50 states”

Anything in the 1.4%+ range are total crap and I don't want them.The advantages with apartments are you concentrate capital, you can increase value by boosting rents and decreasing expenses, and if you get above a certain price point you can get non-recourse financing.