Immigration plays a big role in this, so it would be hard to predict unless you know what happens with population growth.I think it's still a basic human need, and one that the government can not provide at a reasonable cost.

Politicians and federal agencies were lying about the strength of the economy.

The Federal Trade Consumer’s Bureau of Consumer Protection stops unfair, deceptive and fraudulent business practices by collecting reports from consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating consumers and businesses about their rights and responsibilities.In all other industries consumers are able to rate the performance of service providers and potential investors have a right to have these insights.

There is a reason that most states (including Connecticut) require property managers to be licensed, one of which is that they are required to have basic education on the rules and laws governing the practice.

Also, there's the added risk of being compliant with federal regulations & state laws as well as properly assessing/vetting both the borrower and the property.

To address this, we verify the property owner per government records and use this information to vet imposters.Anything that seems suspicious will lead to us requesting an acceptable Letter of Explanation to address.Analyze IncomeMany landlords require a month of paystubs from applicants and just use these to calculate a monthly qualifying income.

A valid government-issued ID is what I require.

Federal along with state chartered credit  unions that are not permitted to charge prepayment penalties are also competitive right now on rate and more and more are building out construction platforms, although very conservative on construction originations.  

In general, if there's nothing in zoning or the deed restrictions prohibiting the division of the property, it's mostly just getting it resurveyed and presenting the new subdivisions to the local government (county usually) to have each lot recorded as separate parcels.

However, some investors see potential in these markets because of low entry costs, steady military demand for housing, and decent cash flow from rentals, especially if the area has stable, government-backed tenants like service members.