As small lenders, we’re in frequent contact with our borrowers, so we usually know how they’re doing.

Don't worry about minor complaints, you are doing a fine job.Just one question, ALL sites have a delay in data from MLS updates, and from court reported information, and so on, is that a function of a monthly update routine or can the information be updated a little more frequently? 

This isn't always the case, but in general, I've found Section 8 homes tend to require more frequent minor repairs.

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Tenant can't really use this against you - if you do everything better going forward.Go to local landlord-tenant court and write down the attorneys that appear most frequently. 

We are rural and opportunities and maybe less frequent than other areas.

I'm starting to hear more chatter about this mysterious "wave of foreclosures" that was a frequent claim/projection back in 2021, which didn't happen then, and by all indications is not going to happen now.

The laws shift and change frequently, and no one really seems to understand the process, and if they do, they are never incentivized to actually help you.

Just a heads up, we don't post our prices publicly because we raise them frequently given our growth, and don't want potential members to get outdated pricing information. 

I think Duluth is a good if not great market but it means nothing if you can't execute.Hey Tim thanks for chiming in, yes I have friends in st Paul who frequent Duluth.