People have failed twice now with the housing bubble and the recent meteoric increase in rates because they were gambling with the rates to save a percentage point.  

Depending on the zip code I was wondering could I gamble with them on a fix and flip or brrr.

I'm ok with gambling on it.

All indicators point to this being a criminal enterprise.

Good product, but the enterprise account was way too expensive, so I switched to Profit Drive from the REI Blackbook guys.

Should I gamble on this or look into how to file a class action lawsuit against the State of California and the Judicial Council?

At that point things are more of a gamble. 

That's a gamble.

They cannot arbitrarily make wild gambles because they feel like it - they have to operate within established risk parameters that are approved by several regulatory bodies and internal controls.

The client was willing to gamble on furnishing for STR over LTR route and we were good for 3.5 years, then one day the man came and shut it down.