The BLS has highlighted this issue, noting a sharp decline in response rates over the last decade.

From my take, the "free service with data up to 3 years old" is not going to be so helpful in a rising or declining market. 

I contacted them and received an offer of 1/2 of my $1497. 00 payment, which I declined.

Hi, I was informed by my listing agent who said I can "discriminate" meaning I can ignore, reject, decline app compared to in her capacity she needs to take every call/messages and respond.

Rotunda West is not that far from Cape Coral and I am not sure if that is part of the reason, that people are waiting on the side lines once they found out property value is on the decline. 

-Single-family home sales declined 1.5 percent year-over-year;-Days on Market (DOM) for single-family homes went from 49 to 45 days;-Total property sales were down 3.1 percent with 10,175 units sold;-Total dollar volume was statistically flat at $4.3 billion;-The single-family median price edged up 1.5 percent to $345,000;-The single-family average price rose 3.6 percent to $443,970, which is a record high; -Single-family home months of inventory registered a 4.0-months supply, up from 2.7 months last May;-Townhome/condominium sales continued to decline, falling 9.8 percent, with the median price climbing 12.1 percent to $241,600 and the average price up 7.5 percent to $281,777.

What is to keep an unqualified applicant from being declined a loan at a bank only to have them "secretly assume" a mortgage loan from a previously qualified applicant?

If they don't meet your requirements, you decline them.

The growth in newly listed homes dipped, although newly listed homes still remained higher than the previous year.While the housing market is still in the seller’s territory, it is expected to shift in a buyer-friendly direction as mortgage rates resume their decline over the next year and the number of homes for sale increases.

@albert  Your correct this is quite low, Property condition has possibly been declining slightly at this Maint.