With consumer credit so tight, there is a need for something more and peer to peer lending responds to that need for both borrowers and investors.The internet and social networks enable peer to peer interaction on an unprecedented scale.

@Omar Khan2) Overlay Top down Market data on top to figure out pricing/valuation (we follow major publications aka RCA Insights ) Whats on the chart:1) Cap rate for MF (Class A/B aka Lifestyle) is lowest ...indication of competition2) Pricing trend by year and then within major cities .. indication of possible downturn or isolation of submarket 3) (dont have it here) MF price index doubled in past 10 Yrs.... indication is that market pulled all operators including both good and bad @Ivan barrett Hypothesis:1) There will be opportunities within MF to get a higher cap rate where Operator will need to exit due to operational/Debt performance... most probable case to compete with other existing good operators /indicators 2) Properties that will pass a stress test valuation with scenario where a downturn will happen aka vacancy will do up  and rent growth isnt possible for a duration of 2-4 yrs.It takes a bit opposite position to Recent post from https://www.biggerpockets.com/forums/432/topics/687483-unprecedented-structural-shift-the-thriving-multifamily-marketAnd supports https://www.biggerpockets.com/forums/432/topics/683154-bullish-on-multifamily  

Wise investors evaluate many reports and sources of information to develop a market opinion.My personal market cycle observations:Based on this market cycle monitor and my personal observations in the markets that I currently operate in, here are my observations:San Francisco: 12 months from a PEAK (end of expansion phase), although the impact of tech growth is unprecedented and may stretch the cycle out… maybe 24 to 36 months from a true peak.

Yet, the administration continues to spend at unprecedented speed .

This is the definitive record of today's unprecedented economic crisis.

Apartment REITs outpaced other commercial real estate sector and the S&P 500 in the subsequent years following the 2008 recession.2020 was, as we’ve all heard, an unprecedented time.

Mainly the Regional Ring Road has brought out revolutionary changes to the city in a way that creates an unprecedented and phenomenal progress with a solid connectivity of the city to all the major lines and zones, inside and outside.Basically, the Regional Ring Road of Hyderabad is with an aim at increasing the connectivity of major cities.

These are unprecedented times, and we are all doing our best to take care of ourselves, our families, and each other.

There's an event in Oakland this Sunday where I'm hoping to get some answers: https://www.biggerpockets.com/forums/521/topics/689555-ebrei-opportunity-zones-unprecedented-re-tax-strategy

Then global investors bought in.Dec. 16, 2021 at 10:00 am Updated Dec. 16, 2021 at 5:44 pmOver the past six years, 19 of the 32 homes on Tammy Sue Lane have been purchased by a billion-dollar investment venture, part of an unprecedented flow of global finance into the American suburbs.