The majority of the problem in the housing bubble stemmed from an artificially high supply of buyers.

Even with my lack of experience it seems like this may not have been the most intelligent real estate decision.

As soon as the government no longer artificially holds the rates down, and they increase even minimally, the values will drop.Rob K – nice post, but you left out the biggest problem which is the entitlement funds that will drive us over the cliff.I always remember that some of the best deals I ever did was when I DIDN'T buy......Rich

If their report is devoid of evictions, then it says that they are like most people and they have enough residual intelligence to realize that no matter what you pay your rent or your going to be homeless.

Intelligence.

Personally, I think a lot of it boils down to if a broker can hold an intelligent conversation as to the loan process, required documents, what the lender charges and when, etc.Anyone who has been in the CRE finance sector for any amount of time should be able to talk with a reasonable degree of confidence, and knowledge, about whatever they're offering.The loan process, and requirements, differ from program to program.

As we know, everything is artificially propped up before an Election.

Ryan on the other hand, had command of the issues, was RESPECTFUL, INTELLIGENT, and had IDEAS to solve the issues the country is facing.

You are obviously motivated, organized, and intelligent - so you have the intangibles!

I will add- make a intelligent offer.