They seem to Be priced as though they will never get consumed by the ocean even though every year some are. 

@V.G JasonThe great MJ DeMarco says that you should become a producer before a consumer, and your statement highlights what MJ says.

Without the SSN the ability of the CRA (consumer reporting agency) to cross reference information is hindered. 

Modest 8-unit property is in the realm where the "fool and their money" have not necessarily already been parted (...yet...), so they might try fishing for a sucker.

If your objection is time, expense and compliance issues, it's not clear to me this alternative is less expensive or time consuming, and likely is even dicier on compliance.

However, this was below the 5-year average annual absorption of around 5,000 units.Employment growth is forecast to be modest at 0.9% in 2024 and 0.5% in 2025, which may limit demand growth.

IF it is consumer debt you have to work on your financial literacy first.

Hence, a ‘dovish’ datapoint is one that supports rate cuts, such as a fall in inflation rates or a rise in unemployment.A modest rebound for housing starts.

btw, are you the same Jay Hinrichs of "TRUE "WHOLESALE HOUSES" that was sued by the STATE OF OREGON-DEPARTMENT OF CONSUMER AND BUSINESS SERVICES DIVISION OF FINANCE AND CORPORATE SECURITIES? 

We have high personal income with no consumer debt, so conventional loans are typically more favorable and DTI hasn't been an issue.