The fact that the overall number of delinquent home loans and the number of foreclosures in process is down since HAMP began in 2009 tends to distract from the reality that both foreclosures and delinquencies are still more than double the number before the sub-prime mortgage crisis became apparent, starting in 2007.

There is a housing crisis and the city is getting dense, low supply high demand.

as part of it read As you know, the Florida Homeowners insurance market is in a crisis.

For a crash to happen, a major occurrence needs to happen, i.e. interest rates need to climb dramatically (which is not likely since the Fed would be shooting themselves in the foot with that), a major supply/demand shift would need to be pending, or a huge financial crisis.

The whole 6-12 month seasoning period concept is a reaction to the last real estate crisis where a lot of people were flipping homes and getting large jumps in valuations in short periods of time without much evidence of the value behind it.

While we have an affordable housing crisis here we have been building housing just for J-1 workers for many years now.

Some states allow people to reside in and take over a property if vacant for a period of time (I think there were a lot of attempts of this during the 2007-09 crisis in FL). 

If the crisis is over and it was 2 or 3 days I would do a daily rate 100%. 

Any investors waiting for a repeat of the foreclosure crisis need a new strategy. 

These are a few of the past bear markets that have had different effects on Real Estate in recent history:The Saving and Loan Crisis of the late 1980s was caused by outright fraud in the Saving and Loan industry.