With a push to bring more manufacturing back to the U.S. and more employees returning to office work, there will be a greater need for mass transit solutions rather than building more roads lowering the quality of living if you want that SFH with a yard.

I think your clients should think about this as short-term funding that they would need to pay back rather than a long-term solution for capital.

They’re requesting what feels like an unreasonable amount of information, and the demands keep escalating.So far, they’ve asked for:A video tour of my home officeCredit checks on me and my partnerCopies of the deeds for every property we ownA copy of my partner’s home lease and utility billsBusiness phone billsA signed letter from the bank verifying our accountsBank statementsHonestly, it feels more like qualifying for a loan than trying to become a customer.

Ultimately it was the customer service and poor quality of my post cards that caused me to leave.

Customer service is unresponsive.  

One solution I’ve seen is closing the purchase in cash, then securing the HELOC afterward, though this carries more risk.

I don't have a solution but I think a real estate attorney or a title attorney would be a good person to talk to.

WHAT ARE YOUR THOUGHTS ON THE CURRENT CONDITIONS, AND WHAT SOLUTIONS DO YOU FORSEE FOR HOUSING? 

I have heard the 16% solution mentioned. 

Local lenders and credit unions could face insurmountable losses to their balance sheets and customer bases as well as the downstream financial and real estate service sector.