Credit Karma uses a Vantage scoring model (which we do not use in the mortgage industry), but the trend will be the same as mortgage scores. 

Strategic management is the difference maker in this industry.

It often takes living and breathing the industry around the clock for a few years before you start seeing consistent returns.

That's short term and long-term, it just does not add up.I am expecting some form of disruption in the industry, but things are so tight in RE it won't happen anytime soon or it'll happen sooner because of how tight it is.  

I’m particularly interested in strategies for scaling in the multi-family space, creative financing options, and building strong partnerships.If you’ve worked on similar deals or have insights into the best ways to grow in this industry, I’d love to hear from you.

So you cannot just look at industry Cap rates alone unless you understand an operators abilities for higher yield on costs.BAM Capital is becoming an institutional investment company in multi-family Real Estate with Brokers.

sadly its a stain on our industry right now.

Regarding DTI - mortgage industry will alllow around 40%, but tenants tend to pay a higher percentage of their income to rent/housing than homeowners.

Entire US industries have been decimated due to an exploitative trade imbalance.

This industry thrives when people are upfront and informed—whether they’re agents, wholesalers, or investors.