@Ashish Acharya: You hit the nail on its head !!

. :-)I agree though - get them involved in a real way (having them help write/advise/ formulate the goals) this will get into their heads faster than just plain talk.I would add this: maybe for the second 'meeting', go on a Field Trip!

And it seems to be getting less clear on where to head.

Unfortunately, the builder was over their head and went bankrupt.

That's exactly what I'm trying to wrap my head around.

Always. interesting plot twist as more carriers cancel and people need to get new policies and see the original borrower is not on the policy etc will the servicers be telling the lenders to call the loan.

Thanks for giving me a platform to word vomit as I rattle around these under-formed thoughts in my head! 

Now if your thinking location jumps out as a big factor to all this, you hit the nail on the head, location location LOCATION. 

Haha, doesn't mean I can't be convinced to head in that direction though. 

Also take a chance and look in 'D' areas that you suspect that are heading upward (gentrifying) towards C or maybe even B.