Seems like appetite for those loans has disappeared with higher rates (higher risk).

Some of those reasons are: Continued consistent population growth, which translates into a large amount of wealth moving in, the still relatively affordable median home price, high job migration, no state income tax, relatively reasonable property taxes, business friendly.There are also some reasons to be cautious, like increasing insurance costs, threat of weather incidences, the cash flow returns have decreased due to the significant increase in prices over the past few years. 

You weren't home to have an honest conversation with him & his gang, but your wife and kids were and they were traumatized by their threats.

Pay to play, except when you pay they disappear.

It also indicates an inability to plan, which means they are just as likely to not pay rent, move in a roommate, add a dog, or disappear in the middle of the night.No.

That is certainly a threat you shouldn't ignore!  

It's also a great time for laying sod, as the mild temperatures and occasional rain help the new grass to establish without the need for constant watering.On the other hand, annual flowers and certain tropical plants thrive when planted in the spring, after the threat of any frost has passed.

The threat of cybersecurity is extremey serious and I can tell you hacker is always two step ahead of the good guy.However there still need to capture all transaction in one cloud-like that saves the whole database and AI or LLM model could create faster title insurance issuance.

The tenant disappeared, but has a guest in the house and the tenant is non-responsive to calls/texts.

Like it was stated before the neighbors could be an issue or there might be something regulatory on the horizon that is a threat.