Speculators and subprime loans backed by Wall Street led to a 50% spike in metro Phoenix home prices during 2005 and 2006, and then a record number of foreclosures from 2008 to 2012. 

On the other hand, there are significant spikes in loan delinquencies and forbearance. 

When necessary, use words.”Letting my actions and successes speak for me will go a lot farther, in many cases, than an argument.But, when necessary, answering a harsh rebuke with a well formulated open ended question is a great way to get someone on their heels in an argument.Great response here.

The problem becomes what happens when they go to underwriting in a highly volatile time.My personal opinion is that as credit starts to tighten and the effects of the unemployment spike start to seep into the market you’ll start to see that drag on the market.

Online management platforms have come a long way but @Guy Yoes does a good job and does mention their Achilles heel - they deal with the 'back-end' of management.

And on the heels of the last two women who also skipped out. 

Women's sandal heels.