As a consumer, that certainly hasn't been my experience.

This shift is driven by consumers seeking affordable meal options amidst rising inflation.

If a property meets the 1% rule, it typically indicates that it can cover its mortgage and other expenses while still providing positive cash flow.35% Operational Expenses: This rule helps estimate the proportion of rental income that will be consumed by operating expenses, excluding the mortgage.

Also, you don’t need  $360k if the loan gets called; with a principal loan balance of $240k it would be more like $250k.Whether you do a wrap, sub to, or lease option when dealing with a owner occupant / consumer there are many legal “traps” to navigate because of consumer protection laws at a state level, and CFPB and Dodd Frank at the Federal level.  

It's only natural to pass these costs on to the consumer, it's the same thing with almost every other product you buy.

According to the article in 2015 consumers lost ~$9 million from this fraud vs nearly half a billion dollars in 2022.A Silicon Valley executive had $400,000 stolen by cybercriminals while buying a home.

After June, inventory tends to build (days on market rises), there are fewer bidding wars, and a smaller percentage of homes sell for more than their listing price.

For me I would rather have fewer high quality properties (Class A and B) than more less expensive properties (Class C). 

Regulation Z does not apply to most commercial loans, and you do not have the same consumer protections as you would from a residential loan.

This negative position can consume years of cash flow to recover.