Or a big fat lender credit to help with closing costs. 

I had a home there and moved back to Texas and it sat on the market for a year before selling, mainly because the market is saturated with homes for sale there.

James, that's right, it didn't takes them but seconds to be out of range. the pit was 65 pounds, the shepherd 140+ huge (long, not fat).

Are there any indicators that would forecast saturation?

The JT, Yucca Valley, Landers and 29 Palms areas are great to have a STR, the market is pretty saturated, so the more unique the property is and the better that it is furnished, laid out etc. will provide the experience even better.

F = At least 2 of these criteria are met: within 2 blocks of a homeless shelter, multiple houses within 2 blocks that are burned out/boarded up, recent murders or shootings have taken place there; while you were asleep, someone drove by your rental and shot at/through it,a police officer was shot within 2 blocks

We have refused to insure properties because of the fat that there was a double closing and there was no disclosure made

I think it is more important to "trim the fat" from the budget, rather than the always popular political method of charging the taxpayers more in some fashion or another.

I'm just an old fat guy who is losing his hair, but I save money for my clients.

Then cut out the fat and create more time.