This stems from mixing up yield versus return.

Then by the rule of subrogation, the owner's title insurance company can sue the seller to recoupe the loss stemming from the claim.

From this stems my other question is there a way to receive MLS access without being a realtor or working for a realtor. if there sint how much is a realtor's license and class?

Otherwise a commercial loan would be the next-best thing, but it is still going to operate off the appraised value.Then there's cannabis dispensaries. . . they'll overpay for anything!

There is a plethora of Cannabis-zoned land in CA, and farming (non-cannabis-related) is already quite prevalent out there.

In fact, demand for mortgages has been so strong for so long, that to stem the tide of borrower requests, lenders have been forced to keep rates above where the market would normally indicate.

1) Finish high school2) go to college in a stem field3) work side job as realtor while in college4) investor money from W2 income and realtoring into investment real estate

While my undergraduate degrees were in the arts, this program allowed me to take foundational STEM classes in order to skip over a B.S. in engineering and begin my studies in a masters program. 

But my concerns stem from the timing of the market.

I wonder if this is stemming from that and just got sent out even though you were in forbearance.