The closer we can get to the raw data, the better we can identify patterns, but Zillow, Trulia, Redfin, Homesnap, etc. all provide data.

But a pattern of going nuts at Christmas on a credit card then not paying it off is a big red flag.  

I’ve seen the same pattern that @Frank Wong is referring to....a long run-up, then a modest 2-year drop, then a 2-year return to the previous high, then another long run-up.

The problem is people want 1200 Sq ft with hardwood floors, stainless steel appliances and marble bathrooms for $750/month.

@Zachary NegronCrooked floors, if you can roll a marble from one corner to the other, you might have a big issue.

Find a pattern for what works and copy them.

If you continue to buy at retail pricing you will eventually run out of money and be stuck in a holding pattern as there is no way to get your down payment funds back out of a property with little or no equity.

Applicant’s background must exhibit a pattern of responsibility.Applicant must be a non-smokerIs this being unreasonable?

That's a year long pattern.

Then you have Pattern Recognition which is where the bulk of everything today takes place.