There are pockets in most zip codes of Memphis that are not so called "war zones" I understand my perception of a war zone is different from everyone that will commit on this forum post which is fine.

Your faith in certain sectors of society is fascinating, naive but fascinating!

I think we as a society have gotten way too soft about defending your right.

Subdivision HOAs often have pretty low annual dues, but can still be quite severe in compliance.Condo HOAs can also be SFR, attached townhomes, or the more common perception of vertical apartment boxes.

I've had Section 8 tenants that were great for 3-4 years before trashing the place, stealing appliances, not paying rent, and eventually abandoning the property with over $10,000 in damages.On a personal note, it chaps my hide that we have people in society that live off the backs of taxpayers for decades.

We live in a (mostly) free society where they can accept what you're offering or they can buy from someone else.

What is good about a corporate Guarantee is name recognition/PERCEPTION,  decent financing, and higher value if you are a seller.  

I volunteer with the local Habitat for Humanity, Humane Society, and aim to help where I can. 

As society becomes more complex, larger groups such as corporations and private equity groups will benefit from regulatory capture and rent-seeking behavior. 

A deal is a deal based on the market at the time, not some perception of a future market and its conditions (again within reason).