People carry too much debt and even if the debt was forgiven or paid off, incomes don't match affordability. 

That's why there's been little activity. if you don't have to sell, you hold on.This extend and pretend will end sooner or later, and when it does, investors will be forced to sell.

@Jay Hinrichs has posted on that in the past.Many people like to try and hide their identity because of the spotlight effect which refers to how people often overestimate how much others notice (or care about) them, effectively inflating their own importance in society. 

I sat in on a lot of the meetings with owners/city and it seems for the most part to me, the city is just not interesting in AirBnB and as an investor, that's not a good place to be or be right.There will always be probably a few people who skirt the law or think they have a good workaround, but often catch 22. 

I haven’t closed my first deal yet, but I’m laser-focused on getting in the game and becoming ‘the guy’ people call when deals come up. 

Many people are actually cash out refinancing and LOOSING the great interest rates they have on their 1st mortgage.

Do you really blame them for paying people threatening them with late fees or repossession before you?

And the condo debacle in FL will be churning for quite a while as these rogue HOAs try to get realistic with deferred maintenance, new requirements, and freedom for people to use as they need to afford them.One thing to consider would be to 1031 all of them in a consolidation exchange. 

A lot of seller finance asks are from people who have no money or credit so horrendous no one would give them a loan.

Usually, tenants are receptive to the idea but I also wonder if tenants with a higher credit score care less about this feature than ones with a lower credit score who are actively working to rebuild their credit?