I would also be a hard no; I don't subsidize other people's investments.

I still think that the appreciation question boils down to the "Do people with options want to live here?"

Generally larger commercial properties and shopping centers are easier to classify with hard and fast rules, but to the points above the residential areas really move very quickly and have way more nuance than most people care to admit.zip codes are generally way too large for my liking at least in my market to provide any kind of insights other than macro level economics but even then highways or rivers that cut through a zip code can end up with totally different trade areas.we can get pretty granular with cellphone data and with grocery center data to understand the trade areas and their true boundaries, but that kind of data pull is generally only cost effective for investors doing larger scale projects or developments, and honestly we still just end up getting on the ground and feeling it out, so I generally tell people that the money is better spent on a plane ticket and weekend trip in the area you are looking rather than any kind of "trade area" level data studies.and generally B class in 1 area means something different than another. 

It's slower, but patient people tend to make wise investments.

When you have a proven track record of performance, then you can play with other people's money. 

Some similar phone numbers and such to other short term companies that other people said were scams.

They make their money off of real estate agents, but real estate agents are the worst people to make money off because they are highly unreliable and in and out of the business when the market changes.Their target should be the consumer with higher levels that they can subscribe too for data, since Zillow is linked to the MLS now which makes their data somewhere more reliable.

Tell people your policies, send them via email when they start the screening process, and send them again with your denial.

why do people pay $20m cash for a manhattan condo?

Maybe the AI can keep you from calling people on the no call list and violating the law?