Even though it's tough, you'll get stronger and smarter than those sitting on the beach waiting for the tides to turn in their favor.

Ideally, you sit back on all assets levered at 20-40% and real estate possibly up to 60%, ideally not north of 40%.

Once you think there is no law pertaining to the activity then the work begins this is a belly to belly business your not going to do this on E mail and text messaging .. you will need to be able to sit down with these folks or it will never happen.

Lot of the issue stems from pillars / blocks that sit on top of the soil in the crawl.

Something about acting on unconfirmed information really doesn't sit well with me.

There is low inventory, lower sales volume, and high interest rates, and as a result many people are sitting on the sidelines, either intentionally or forced.

I guess I'm one of those "goofy detractors", however I do not recall having levelled anything ad-hominem in nature on this thread (it would be quite out of character).I am not even certain I would call myself a detractor - If someone wants to borrow money to pay-down another debt, that is their business.  

20-25% I guess you have your reasons for the down payment discrepancy between citizens and non-citizens, haha, but it doesn't sit too well with me.

One of the REPS cases (I forget which off hand) they were basically like...petitioner states they spent 8 hours on X date supervising painters at the property and we find it highly unlikely that anyone would sit and watch paint dry for 8 hours. 

In a slow market homes sit and rot, they are on the MLS forever and the longer it sits, the lower the price goes to find the sweet spot for just the perfect buyer.