Assessing brokers based on their transaction history and success in the market carries more weight than simply focusing on the highest price offered.

It's so hard to say generally what problems might come up, but the first that comes to my mind is work history - do you have 6 months on the job and a 2 year work/school history? 

I see many warning signals that if CA doesn't get it's act together, act as if it has to compete, very strong chances it will suffer the historical consequences of that and CA the titan will become history not current state of things. 

Good Cause Eviction, the 2019 TPA, the history of moratoriums, and the clean slate act sealing criminal records and other offenses. 

But to sum up your truly relevant point, all you are really saying is that there is high default risk when you deal with people who have poor credit history or some other financial issues.

It's also worth noting that, given my community development background, the intent is to help them refi into traditional financing after they've established a payment history.

I can give you a crash course on the good, the bad and the ugly of Binghamton.Binghamton is something of a unicorn market at the moment; it's a rust belt city with a history of low incomes and low property values.

Due to your payment history it’s going to be tough to refi out into something more conventional or a DSCR.Hard money is your best bet but that’ll cost you.If your selling, drop the price and you’ll bring in more demand.

The problem in analyzing is we have no idea what Thomas' personal FICO/credit history, assets, vesting type etc.. 

In the sponsor's history, has the reporting always been on time?