Is it a cultural thing?

., lead paint, chinese drywall if applicable, affiliated company disclosures, etc. that are automatically added to all of my transactions.

They brought in another supply, which is now know as "chinese drywall" It's toxic and actually eats away at copper.

What I do find very odd is hud is willing to sell a house with a sinkhole, chinese drywall or i'm sure other yummy problems without disclosing them even after they are told in writing about the problem.

If the investor has money then of course they will not want a hard money lender.I have a few sources who I have relationships with for private money.I agree there is a lot of money sitting in the bank with miniscule returns.You can get your cash private investor much better returns on their money but you have to culture a relationship with them.Hard money lenders have to charge certain rates to make their spread to pay off their funders returns.Individual hard money lenders have more leeway but big companies usually have set guidelines to follow.The bigger deals for hard money are for sure in commercial deals right now.

There will probably be sufficient chinese sheet rock to make repairs.Storm chasing companies and shisters will swarm like knats to do work and rip off many of them.

2010 will be the year I1) increase my total net worth.2) expand my Short Sale negotiating services.3) acquire more Real Estate Investors in my network.4) learn Mandarin Chinese.

As it relates to home ownership, the discipline and long term vision required to undertake a 30 or 40 year contract is diluted in an "excitement" and material oriented culture.

There are 1,550 footnotes where all the info came from.Then, read Culture of Corruption by Michelle Culkin.

Appearance can be tied to culture, religion, or health and those are illegal reasons for rejecting.However, it is very legal to reject for demeanor if you feel threatened.