US stocks have been overvalued for years without a crash, real bond yields are negative in most of the world.

I could easily google how to pull my own teeth, but I still go to a dentist when I have a toothache. 

Investing in real estate is not that different than stocks, bonds, precious metals, art or whatever.

Most mortgage money comes from bonds issued and as Bryan mentioned, are holding up the capital requirements.Mortgages in default are not shown at their face amount as assets.

Going commercial is certainly a good thing, but it's no place to cut your investor teeth.

I am not real clear on the teeth in the SAFE act law.

Fixed rate mortgage loans are not based on the prime rate, but the 10 year treasury, bond market, or Libor.

Stocks are in the top quintile of historical valations based on all of these measures, and this makes it HIGHLY likely that stocks will perform poorly over the next decade Bonds at 2% on the 10yr treasury, same story, very expensive.I know this is off-topic for this thread, but I'm concerned that folks just hear this "stocks have averaged 9%" mantra from the brokerage community and go with it.

It seems to me that low income residents have a stronger family and community bond than higher income residents.

Well, As a wholesaler myself working for a larger company, though the small time guys can sometimes provide property a little cheaper, they can not get better homes, they dont have the relationships, infrastructure, not licensed, insured, bonded, No real backing, and most likely wont be around in the business for any real length of time.