How about the simple obvious that the inputs to deliver the service/product have a base-line and market prices have, OBVIOUSLY, been at about as lean of operating profit margins as can be. 

We're starting to see the fallout from this - borrowers cant exit deals without taking a loss but are refusing to accept this.SC seems to be doing OK at the moment, but Louisiana is seeing price declines.

Typically this means they will take longer to close, may not have all the information for the companies they work with, and most hard money brokers get their money by taking an existing product and adding extra points to pay their fee.What is your investor success rate?

As far as rates I see them declining slower than expected but lowering nonetheless. 

These are the product of much discussion as it is!

I won’t be giving my money to a guru that needs to sell a 40k product rather than working his own investments.

These companies selling products tend to drain agents dry at these conventions selling every do dad that is supposed to give them an edge over everybody else.

What is the end product of your effort and where is it located, how long will it take to sell?

The truth is, over the last few years, many of these people are barely cashflowing at all and the default rate with the banks on this product is skyrocketing.

You’re not required to rent to someone just because they look great on paper, but you should ensure that your reasons for declining them are grounded in business-related concerns (e.g., concerns over rental history or ability to care for the property, if documented).A good practice is to follow a consistent screening process for all applicants.