Acting quickly to identify and close under-market properties can deliver significant profits with minimal effort.

-Cape Coral is making an effort to bring on new employees and free up employees to improve permit processing times. 

However, you appear to be the type that doesnt really want to deal with some of the work or extra effort needed for those strategies.

Nobody owes the affordability being a right, and globally markets perform at a much wider ratio for median income:household, however, America is very local and industry specific.

So your opinion that we don't exist, or that our efforts are in vein......

Note all these require more effort than traditional LTR.  

I’m a relatively tough critic, but I’d say REI was the only one I felt had put the effort into giving realistic numbers and owned the entire process.  

Quote from @Jack Krusinski: When my rental properties are in a situation like this, I make an effort to create a structured and aggressive payment plan to help tenants catch up.

It's not fool-proof, but I think odds of earning 7.5% using a barbell strategy in the average year on your money is 97% likely with very very little effort. 

It’s more like having a continuous, flexible funding option rather than a one-time transaction.It doesn’t require much effort compared to getting a loan traditionally:When you "get a loan," you typically have to go through banks or rely on friends and family.