In some places, creating an LLC is time consuming and expensive.

Is just about consumer protection act.. their model was get CA investor to put up the money.. then sell to non English speaker on terms.. and rinse repeat.. 

Like Chris, I'm not brave enough to buy a consumer loan in Chicago.

In 2024, back-to-school and back-to-college spending has dropped as consumers adopt a more cautious approach following the pandemic surge.

Then you have price improvements of .110 and .050 for total of 4.965% in LLPAs.This means that the rate has to pay enough to cover the LLPAs plus whatever the lender is trying to make.In case like this, where the LLPA hits exceed what the rate pays, that difference is charged to the consumer.

If it is consumer spending or they lost a job and didn't figure stuff out that's a no go as I would be in the same boat if they lose their job again but I get medical. 

Good in the long term so I didn't have to worry about the utility bill but like you mentioned - high upfront costs and time consuming. - Equal Splitting (ratio utility billing) - What I've heard from lawyer friends who practice real estate law is a trending spike in resident issues.

Frequently the price is higher than a consumer would get if they contracted directly with a contractor.  

If I were to purchase a SFR from a consumer I would INSIST that they employ an attorney. 

But their technique is to make it more profitable to save your money than to spend it on real estate and cars (the two biggest driving forces in consumer spending).