The most major appliance it has saved me from was a new water heater.

However, the fed announced last week it would start adjusting interest rates, so the libor will likely adjust too because our dollar is much too strong agains the european currencies that influence the libor.

Most of our renters are European.

All of the Central/Eastern European countries have tremendous potential now.  

In the Houston area, which I assume is like most major areas, there are companies that just handle short sells.  

What I am hearing is that is most major cities, There are a few good apples, and a lot of rotten ones... and The rotten ones have kind of ruined the rep of the whole "Wholesaler Name"...    

Most major courthouses provide free help from the local bar association.

Most major banks only offer 80% LTV with fluctuating rate and varies by the market your home is at.

.- Most major investment vehicles are all time high (Stock, Bond, House), yet low interest and low inventory can still hold the housing price high.

Most major metro areas have a Realtors Association.They typically have a newsletter and or a "market pulse" type document on-line.Do a google search, find that Association of Realtors and check their web site.