There are other reasons as well to limit this type of financing too, but the government and courts will be pushing it as a consumer oriented issue.

Yup, this will be time consuming but if you're out of the country frequently it may be worth the trouble of driving around.

It's a little time consuming, but saves paper (and ink!)

They basically have free reign with no protections in place for consumers.

Either way check out http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm for information on pulling your credit for free.This is a government site vs.

I found an interesting article about basis risk especially for consumer debt.

Consider that there are far fewer apartments/ commercial buildings than SFR -thus less supply.SFR's have a much lower barrier of entry, so you have to protect against more competitors edging into your "turf"Liquidity is an issue, but this is not a liquid business no matter the property type

This was a Canadian bank transfer however US banks should be offering a similar transaction.http://www.interac.ca/consumers/productsandservices_ol_emt.php

It would be interesting to see if there is a report out there on the world wide web that put more clarity to factual data on consumers, speculation investors, builders, hedge funds/wall street and their perspective roles or percentages to the collapse/meltdown/downturn or whatever you wanna call it.

So far I'm happy with the process and it's not that big of a time consumer.