And while living in downtown LA or San Francisco in a cramped apartment with 5 roommates is cool when you’re young and single swiping on Tinder, there’s one situation where it’s certainly not cool at all…When you’re pregnant.I noticed this trend back in California when I had several clients back to back that were all late twenties / early thirties with either a bun in the oven or a baby already here and they were looking to escape the high prices of the Bay Area and move into more affordable markets like Sacramento and Stockton in California’s Central Valley.Just take a look at Phoenix’s population pyramid to notice how it swells right in the sweet spot of people about to have their first kid and want to buy their first home shortly afterwards:And not only do you have the millennials here in the Phoenix Metro Area, you also have them moving from Los Angeles and greater southern California:https://la.curbed.com/2016/5/23/11753840/los-angeles-migrationAnd can you blame them?

It is hard for competitors to disrupt because it is a very capital intensive business. 

I don't think Cozy has any serious competitors right now, when they do I think they might be more motivated to enhacements.

I felt as though they were confident in their service as he even gave me the contact information to one of his competitors.

None in my local Library either Seems like Brandon already swiped them already :)

We looked into competitors and Danny actually owns and operates his own flipping business.

If you are selling money (and as a lender that is your product) then you need to be like any other competitor in the marketplace and be able to compete for that business.

For consumer's home depot will beat competitors by 10% if you show them the competitors price

Say its a class C+ building but you see competitors that have upgraded their buildings to say a Class B through their renovation efforts and see what rents they are commanding for similar year built communities / size / and amenities.  

Fresh Updated Data - Not old dated data like our competitors.