., I don't have statistics for you, just my jubjective viewpoint as to what I've seen over my years of being a borrower, investor, flipper, and owner of a private money loan servicing company (not Praxis).I've seen most private money loans go according to plan with successful payoffs.

I am now interested in what the statistics I should be looking at.

Your statistic that only 30-40% of callers leave a message has me worried as I have NO way to capture hang up calls with patlive....

"Black Swans" occur much more often then they statistically should.

The employer base is diverse and the population statistics are steady.

I will have some statistics for you in the article.

I say that because LTVs are pretty well established through conventional lending that manage risks based on very large samples through statistical analysis.

Crime statistics for a neighborhood, school districts, property tax rates, etc. can fit under this as well.

See: http://www.irs.gov/pub/irs-pdf/f990t.pdf I don't have the audit statistic on hand, but again, it is about the average hovering just over 1%.The dangers of it are so extreme that I cannot help but express not to do it for anyone considering this.

The GSEs, for sure, have a wealth of statistical information and from their data tables, it is pretty easy to get short term (12 to 18 month) trends.