The discussions we see repeated today differ from four years ago because the market has changed. 

My GUESS is these homeowners have been tricked/screwed in to signing a long term power purchase agreement, often with no buy out provision.

Market being hot helped and no permits to deal.

There are multiple ways to utilize equity without paying taxes, such as cash-out refinances, HELOCs, and 1031 exchanges, making appreciation a powerful wealth-building tool.Many people lump all of California into one bucket, but it’s a massive state with many distinct markets.

I've been wanting to expand out of my market in Iowa, and see that the Winter Haven, Lakeland, Haines City areas are similar to purchase points as my market.

Whoever gives me the most business and has an excellent close record will first be presented with off-market opportunities. 

With rates high, I don't see much changing in the market as buyers struggle to afford a mortgage. 

and I also rent to voucher holders in the Milwaukee market. 

If the stock market goes on a roller coaster ride you have no control.

Very powerful strategy.