I found the forms pertaining to it on the Sacramento website, however don't know how to discern the information there. 

I tried to compare another state to Georgia since I know Georgia requires a debt buyers license but I couldn't discern a difference from the NMLS website. 

Would you be able to discern that that is?  

It's called the DISCERN method.Demographic GroupIncomeSchoolsCrimeExpansion (Population & Income Growth)RentNeighborhood (indicator stores along with general research on business in target area)She wrote a great article about it here https://www.vestmap.com/discer...The Vestmap website makes it super easy to find this info, or you can look for publically available data and just go down the DISCERN list.

We can’t discern a seasoned buyer from an energy vampire.

Lastly, if you can discern the sellers situation, I often advise to write a letter with a picture of your family letting them know why you want to own their home and appeal to the emotional side of the equation.

I knew that market and quickly discerned that the offer was dramatically low. 

Seriously, man, this is capital T trouble without any discernible benefit. 

You have to become a discerning consumer of information because there's a lot of bad information out there.

A detached duplex is challenging to discern that it is a duplex.