@Russell Brazil  definitely regionalized... in my two markets were I build new construction Charleston SC and Portland Oregon.. long gone is the no money down buyer.. they still happen I just sold one in Charleston on a VA loan but its a 350k house. and we get the occasional FHA but on the subdivision I just built in Portland in 2016  27 new homes priced from 330 to 400k... ( entry level )  to first time move up.My wife is my broker ( always recommend anyone getting in the business to have their own license) I had her run a report on financing and what was used.4 sold for cash1 VA3  FHA minimum down19 sold conventinal with 10% or more down.IN charleston other than the one VA loan same thing some cash a few FHA majority conventionalso to speak to your points we have a much stronger buying segment than pre 08.. and I am sorry for those that have crappy credit and can't buy right now.. but they simply need to clean up their act. this attitude that every american deserves to own a home is flawed thinking.. every american who can manage thier personal credit and keep good an stable jobs.. deserves a home if they so choose.. 

Most people are not that dedicated and it shows.The passion I have left for this business is because it is a mechanism to fulfill "the great American dream" of upward mobility they used to teach in high school Civics.

Goodman/Amana, Lennox/Armstrong/Concord, Trane/American Standard, Carrier/Payne/Bryant/Tempstar.Most internal HVAC equipment is made by fewer manufacturers...Emerson, Honeywell and Johnson Controls.IMO, the biggest difference is the installer and the reason why some brands get higher ratings by consumers is they are selective about who they allow to install their brands.Check out this link.  

Im an Australian with an American LLC which has an EIN, but no ITIN/SSN (yet?).

I have been a landlord for a while, but after seeing the advantages of being licensed I have passed the Michigan exam and am hired by American Associates in my hometown of Fenton.  

American Land Title.

What about if the Australian has an American LLC? 

Habitat for Humanity,Veterans of foreign wars,American Legion,The Lions Club,The USO,and The Salvation Army are all legitimate and trustworthy.

Looks all american white on pictures but sound like a middle eastern on the phone.

Join local chapters of Mortgage Bankers Association, American Association of Private Lenders, or the American Association of Mortgage Brokers5.