We bring a printer/copier with us to the open house, and instruct those interested to bring their driver's license (to verify ID) and a copy of their paycheck stub. 

(Each step of the way, from the time the lawsuit started to the finish, the notary provided an affidavit and testimony that she witnessed the transaction and had his driver's license # written into her notary book with his signature.

In the interim, I feel much safer here, and while I am leaving a lot of money on the table I sleep very well at night.It depends on whats driving the trends and whether you believe drivers are sustainable.

Being able to attract clients outside of these heavily monitored sites really puts you in the driver's seat.

You may need to driver to find places with tall grass, peeling paint, etc.

@Theresa HarrisYes I have her SS on my application as well as a copy of her drivers license.

There are no janitors and school bus drivers buying 700k houses with no doc loans today.

My W-2 Job is a Truck Driver and I have an opportunity to switch to a different company that will pay me more for my experience.

Interesting math problem.You may need to normalize the appreciation in any area vs others, because the biggest factor for appreciation is going to be related to the printing of money in Washington DC.It appears to me you are missing the most important variables related to supply and demand:Jobs within X milesPopulation growthHousing startsI could see how a flood zone could impact appreciation, but race seems an odd factor to include over supply / demand drivers.

Additionally, a Charitable Remainder Trust and a Revocable Trust all work together in the family estate management game.A few aspects; One is that you had better trust those you put in the driver's seat, of an irrevocable trust as it's very hard to remove a trustee and you are not in control of the assets, the kids better love you.Secondly, real estate can be a real pain in a trust, the trust must be valued annually, many trust companies will not hold RE due to annual valuations (appraisals) and management, but some do and administration is higher than holding liquid assets.