Some high and lowlights:- I had one tenant that brought German cockroaches in and then blamed it on me- Same tenant asking if her daughter can visit but failed to mention it was 5 more very noisy people- another tenant having constant loud arguments with his gf- tenant saved some of my stuff when the house flooded due to a pipe burst and another time during a monster rain storm.

Although those guys had brick and mortar and where very good at what they did ( screwing people)this new crop are just hiding behind social media and their key board. 

Quote from @Eliott Elias: People don't take action.

What the heck is the matter with people?

I've seen many people suggest a cash out refi but I like the flexibility of the heloc.

James and his people who manage the program are nice and give basic sales and negotiation advice but not much that moves the needle in any situation.

Get people financially educated and let them buy their own houses.

It's mostly retired people or people who have no money.

That's what the commission is for...It does seem like their communication is top notch - I've spoken to a few people from REI and they seem to have a decent business model.

While this won't stop the Gen Y and Z crowd, I think it will make it harder for people to raise money, when a company with 30 yr track records are marketing right along side the guy with 2 yrs (for a similar type of deal).