All too often I have observed individuals raid their retirement accounts, paying far too much in taxes.

Just my observation anyway, I do want to design/ build something at some point but land prices are pretty rich right now.

My observation tells me that PMs change over time, for better or for worse.

By observation from a few I've seen in the area:1) Find old guy, hopefully with limited faculties not aware of the market value of his property2) Tell him you love his place and will enjoy owning it and that you're his good buddy who cares about him.3) Offer him at least 10% under FMV and tell him no one else is going to pay that much.   

A global trade war is seen as the biggest observable risk for 2025, followed by a tech stock plunge and concerns over inflation and bond yields14.

Here are my unsolicited thoughts / observations.

Then separately I calculated the appreciation against each home value observation in the ZHVI dataset against its value 10 years earlier for each month.

However, I believe limiting a discussion about Southern Spain exclusively to the Costa del Sol overlooks the diversity of opportunities the region offers beyond mass tourism and highly developed areas.Regarding your comments about my name and the fact that I reside in the Netherlands, I fail to see how this could affect the validity of my observations.

This is a touchy subject.If you observed specific concerning behaviors during interactions, such as rudeness, aggression, or disrespect for property, these could potentially be valid reasons for rejection if documented properly.You should add one very important things to do on your checklist, past landlord references and it must be legit and find out why they aren't there any longer.

I do not know how the two may overlap and I can only comment on what I've observed in the Philadelphia market, but if the Philadelphia values I've seen in past social media posts and the limited financials available through their filings pertain to REIT owned assets, I can't foresee a scenario where the investors receive anywhere close to the share prices in the event the entire portfolio were liquidated.