They don't want paparazzi stalking celebs to take pics.

Had a local plumber hire a registered sex offender and he went in to a woman's house to work on pipes, nothing happened, but when she saw his face on a poster that was handed out later her husband and nearly everyone else quit using that plumber for fear of safety for their wives.

I commend you for facing prior fears and working on moving forward, that's awesome!

The spam folder thing is a fear.

I am told I will be pre approved because of the difference of money I made in 2013 compared to my 2012 income (Im self-employed).We started an LLC S-Corp & have not yet transferred homes there for fear of having to pay off the remaining equity sooner than our 30-year plan; I've heard in 3 years its possible?

It has been said that "money and success are on the other side of doubt and fear".

I have just one townhouse that's rented out, and my fear is that while I'm on vacation, something like the water heater will give out, or a pipe bursts.

I may even cut back to 1 or 2 zip codes to further reduce my risk but my fear is that I will pigeon hole myself into a certain area and slow down my progress.

However, it always helps to hear your fears confirmed.

And I can always come up with an answer, and it's usually: "because I'm looking where no big, smart institutional investor bothers to look [small cap stocks - not worth their effort] and where your typical investor is too ignorant, stupid, or fearful to notice the bargain."