The company's transformation efforts reflect broader shifts in the retail landscape, where traditional department stores are shrinking their footprints to adapt to changing consumer preferences.

Information is out there, you just have to read it, on my side, consumer relations in CA is an open book, all they need to do is read and follow.

These events will shake all sectors of the economy and create pullback by consumers due to fear of the unknown.

As @Mark Miles mentioned, Option B will have a lot of hidden costs and likely hidden time-consuming repairs.

As a consumer, that certainly hasn't been my experience.

This shift is driven by consumers seeking affordable meal options amidst rising inflation.

If a property meets the 1% rule, it typically indicates that it can cover its mortgage and other expenses while still providing positive cash flow.35% Operational Expenses: This rule helps estimate the proportion of rental income that will be consumed by operating expenses, excluding the mortgage.

Also, you don’t need  $360k if the loan gets called; with a principal loan balance of $240k it would be more like $250k.Whether you do a wrap, sub to, or lease option when dealing with a owner occupant / consumer there are many legal “traps” to navigate because of consumer protection laws at a state level, and CFPB and Dodd Frank at the Federal level.  

It's only natural to pass these costs on to the consumer, it's the same thing with almost every other product you buy.

According to the article in 2015 consumers lost ~$9 million from this fraud vs nearly half a billion dollars in 2022.A Silicon Valley executive had $400,000 stolen by cybercriminals while buying a home.