High LTVs, short maturities, mezzanine debt, outside preferred equity, and multiple share classes (the recently popular A/B equity structure) all increase risk. 

Great chance we are quickly creating a permanent class of renters or expanding it.

Obviously if these are protected classes in your jurisdiction ignore.

Two months ago, I initiated a Physical Fitness Class, which has quickly grown to 200 members.

lol we are talking the same, lets say we do some input statistic analysis ( i did it before ), so in 2009 the mortgage debt with typical husband and wife working is like 29% ; now that number is going as much as 44% in some cities. also our home price is created using auction systems, if there'e 100 houses in one zip code, the pricing discovery in created by the last 3-5 home purchasers, which indicate 95% of other folks does not necessarily able to purchase home or do mortgage with current rate.Which cause a problem, one household either need to maintain job that can continously paying the mortgage and/or the loyalty of husband and wife is a MUST LOL Having said that, to maintain 1.5 mil homes in bay area for example, husband and wife should not divorce for 30 years at least.But for 150k house in Ohio, the husband can divorce their wife anytime while maintain the mortgage payment LOLHaving said that, getting divorce is very suicidal for financial.but also creating different effect, for single guy, there's almost no way they can purchase home, unless they're cardiologist or any other high income earner LOL (this example is just for fun).In our area the home supply is coming from two sources mainly: people going retirement and want to cash out or separation in relationship LOLGetting separation is very expensive especially if you born in 1970/1980/1990s, I would even argue the moment you are married-->single thus you become the renter class again LOL

It's great to learn about all of the asset classes before you are ready to invest.

@Austin Nicol a good analysis by @Ty Coutts, but he left out info about Property Classes.Rising real estate prices and mortgage rates have made it all but impossible to cashflow on Class A properties, and challenging on Class B.

instead i have amazing surprises.I'm thinking of offering a class to share my experience and offer advice to others.Thoughts?

If this is a class C neighborhood, then this seems somewhat normal.What is the condition of the property?

I broke them down into 2 charts, total unsold and unsold by property class (SFH, Condo, Townhouse).The month of April had more unsold properties than any other month for the past 7 years.