One thing to keep in mind is that FHA/HUD loans are run by the government, and thus you're dealing with government employees.

For "Conforming, Conventional" loans (loans governed by Fannie Mae and Freddie Mac) each bank uses the same set of rules. 

Wow.I've been seeing some apartment complexes going up around the northwest sector.

A "conforming, conventional" loan is a loan type governed by Fannie Mae and Freddie Mac (if you recognize those names) and the terms will be the same at each bank...since it's Fannie/Freddie money. 

.), then I can see markets declining, but the larger markets (LA, SD, Bay Area) are also getting foreign money and investors that are parking cash from their corrupt governments. 

You download a report in an easy spreadsheet with owner name, address, and all property detail. step 3 - scrub your list to remove duplicate owners, government agencies, anything out of ordinarystep 4 - "mail merge" list into your ready to go offer letter to purchase.

The big news here is that a class action law suit is going forward against the City of Bedford in the Northern District of Ohio contesting "all homeowners who were forced to endure government searches as a precondition to the sale of their homes are entitled to demand refunds of illegal “Point of Sale” inspection fees".A similar suit has already been adjudicated in the Southern District Courts in favor of prohibiting the practice as a sale requirement.41 communities in Northeast Ohio require some type of POS for title transfer which I'm sure is a source of income the cities don't want to see disappear.

https://www.coralsprings.org/government/other-departments-and-services/code-compliance/code-compliance-process

I've encountered city government meetings where their attorney will tell them that an ordinance or whatever they are voting on may skirt the law a little bit and their attorney will tell them to go ahead and vote on it and if a citizen figures it out and calls them on it they may have to amend. 

Government designed it so the retirees would not be a burden on the government once they stopped working.