I also have a large problem with the government trying to control our lives and socially engineer behavior through tax policy.

It assumes a pattern of behavior on the part of lenders and consumers that no longer exists.The pendulum never stays in one place.

No, I don't like giving a dime to any country, but I understand that is the way governments operate from the beginning of time, money is a trade off for behavior and favorable opportunities, that's the way the world works.

Now let's look at the resemblance of human behavior between the last housing market and this one.1989 and 2005 - top of the market1991 and 2009 - bottom of the housing market1992 and 2010 - 1st rebound1994 and 2012 - 1st small pull back from the rebound1995 and 2013 - 2nd rebound1996 and 2014 - 2nd small pull back from the 2nd rebound1997 and 2015 - the 3rd rebound???

They have licenses and are promoting improper behavior.  

Show me a study that says felons who have been convicted of X or Y crime within the last Z years don't pay rent or make bad tenants and I guess I would change my tune but it just doesn't exist.The truth is you have no way of predicting the future behavior of ANY person, prior criminal or not.

I want to know what kind of tenants I should be targeting, and what behavior that I should expect my tenants to have.

Appears to be the same behavior.

I look at the choice I am making to transition to digital as my way to adapt to the changes in consumer behavior.

It was sickening.I'm positive that when Eve agreed to room with this gal they did NOT discuss having daytime/overnight/male guests and what the considerations for privacy and decent behavior would be .