From my experience, you can use that savings to house hack with an FHA loan, invest in a turnkey property in a more affordable market, or even partner with others to expand your purchasing power.

I'm sure over time more laws will be created to force the government to give that information in a more timely manner but for now they often obstruct the public by withholding it for a time.

I think once you get more than that, you would need a more expansive program

Stability: Homeowners tend to stay in their homes longer than renters, which can create a more stable environment for families and children.

Instead of paying billable hours for every case, a salaried attorney could handle the same volume of work at a more predictable cost.Service Quality: I also see an opportunity to provide better service to ourselves and the owners we represent.

A more intrusive approach would be to Google the owner name and see if you can find relatives and skip trace and call them.

These areas are becoming 'micro Big Sur-esque,' a more affordable piece of the Pacific Wonderland. 

I think it’s a more recent consideration (maybe in the past decade or so based on my digging / anecdotal feedback) and perhaps some of you that have been in the business longer and simply renewing old policies may be getting a pass.  

Quote from @Brandon Vukelich: Question: why would you sell an asset that generates a profit today and will generate a more significant profit in the future?

Wouldn't hurt to consult a tax pro just to make sure there isn't a more tax effective strategy but I don't think lending provides any tax shelter.