Whatever the reason, it has nothing to do with me, or anything I can influence.

It might be an improvement over TikTok influencers and self-proclaimed gurus, but not by much.

I actually read one of your posts on this topic years ago, which influenced me to carefully choose the right market.  

The gurus and the influencers don't really mention that haha. 

I’d recommend starting with business credit cards that only require a soft inquiry, so you don’t risk a denial from one bank that could influence the others.

Aren't you glad that some antisocial media influencer brought this "tax strategy" to your attention?

most of these "youtubers" etc social influencers are nothing more than paper tigers.

While it is true that the time of year can influence market activity, as others have mentioned, there is usually a trade-off depending on the season.

I'd say everything else is the consequence of the 2 points above - the weather and the state of economic affairs influences everything else, including safety, infrastructure, the condition of housing stock, etc.

The fact that you are working with a loan officer who is coaching you on committing fraud, you may want to change your circle of influence.