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.  

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).  

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

There's a lot of lobbying by NAR and the other associations, too.Most consumers don't know how any of these things work and don't want to, and would sue anyone in a heartbeat if anything went wrong, so it's important to keep that in mind.There is always the path of becoming a wholesaler, if you really do know what you are doing.

And yes, the best way to pick my brain is by consuming my blog.