I don't understand why I can't just use a normal title.

I can't imagine doing all the book keeping an accounting for each individual one, not to mention the cost.. normally I spent almost $1K  to a CPA to file the taxes, so imagine that x2, or 3, or 4.. ...why do all that, when a BOP is a few hundred?   

Gains through crypto felt uncertain to me but still had a draw, so I decided I wouldn't use more than 5% of my disposable income to gamble (whether on leveraged index funds like QLD or crypto).

Is that normal?

Is it a gamble to move into one of these neighborhoods if the market crashes?

@Flavia Vangelotti forecasting appreciation is always a gamble so I view it as a bonus on my investment properties. 

What we're seeing now are fairly "normal" interest rates from a historical perspective.  

For that specific type of loan, this looks normal. 

Builder does what they normally do.

We normally try every form of communicating including door knocking and door postings