Is there a pattern?

However, your spending patterns are also not constant.

I guess what my point was, what I have noticed to be a little pattern as people try to get into real estate with no money or no credit is that they come to the conclusion that wholesaling is a good place to start, because that's what the gurus say, and the truth is you can literally put a home under contract with a $1 deposit , never intend to buy it, and assign it an end buyer for a fee.  

I've attached a Powerpoint file (it's short; two slides) to touch on two important ideas: 1) Your energy usage in Aug 2016 reflects different energy use habits, and is not directly comparable to our energy usage; this is borne out by comparison of Aug 2016 and Aug 2017 temp & energy use data. 2) My move-in in mid-August did not introduce a significant change in energy use patterns compared to what Kelly had already established on her own in that time (unsurprising given that we use all the same appliances and utilities); this is borne out by comparison of Aug 2017 and Sept 2017 temp & energy use data.

In places were job-related cycles are unique, for example, different patterns may emerge.My question to the experts is how strong the general seasonal trend holds true in OKC in particular for rentals.

Remember, these borrowers don't qualify for conventional financing such as an FHA or VA, if they could they wouldn't take a high rate loan.Another aspect, you don't want to take all their money either, they must have funds in reserve as any car repair, or fridge going out or hospital trip will put them in the hole and the pattern of default begins.Kinda hate to say it this way, but many low end buyer/borrowers are almost childlike, they beg for the deal, they make poor decisions accepting questionable properties, they will promise to be good and they will have good intentions.

Every conversation will develop it's own pattern.  

I don't personally follow Don's system, but he's the guy who said Hamilton would be hot and he was certainly right all those years ago due to transportation corridors and other such research into modern city growth patterns....hats off to Don.

I guess one could claim this is due to the markets being less efficient, but it seems a whole lot more likely it is due to higher levels of both risk attributable to systemic risk patterns and the individual risk patterns of the project. 

It will probably follow a similar pattern, so a low key response is likely best.