Or what % of the cost is attributed as profit/loss when an insurance company makes a determination on their pricing model? 

Yes, tech jobs played a role to a degree in San Fran, but NYC not quite sure.I would attribute the massively price appreciation more to international equity and housing markets after the recession.

Not necessarily condos as that might be typical.The reason is in any market that's not a favorable attribute and there isn't much you can do about it.

I attribute it to people moving out of state post pandemic (first-hand experience w/ move-out notices the last 30-60 days) and Owners getting greedy because the media is talking about rent increases. 

Each individual property has it's own attributes.

Do you attribute your success more to the fact that you are an exceptional attorney or the fact that the debtor "messed up"?

And as for your comment about not partnering with me or a lawyer, I think one of the best attributes one can have when entering a partnership is to have an open mind.

When I give someone a rental application I staple a one page cover sheet to the front which has some information (positive attributes) about the property.

:)While I agree that there are some major challenges that both the housing market and the U.S. economy as a whole faces over the next 10 years (and if not solved will result in a recession larger than the one we're currently in), I think we're going to see a recovery over the next 24-36 months.I attribute the October drop in the market to a couple things: seasonal downturn, expiration of various tax credits, increase in new housing starts in some areas, etc.

How much of this would you pay attention to versus attributing it to tenants who were just unhappy in general with deposits not being returned, etc?