Combine a pullback in consumer spending and some sort of local issue (water contamination?

It was the most time consuming, took the most preparation, the most 1 on 1 meetings and late nights.

I looked forever to find it because that’s I could pay.”

While I don't have a background with real estate currently, I do have a background with consumer lending (Auto loans, credit cards, personal loans, etc.).

DISPOSING OF CONSUMER REPORTSWhen you're done using a consumer report, you must securely dispose of the report and any information you gathered from it.

@Michael Peters I bought a 200+ unit deal on a DM campaign so it does work and the process can be time consuming, see this link:Bought 200+ Unit Apartment Complex, Increased Value Over $4 MillFor DM you need to send letters consistently, about every 10 to 14 days.

Some people keep a locked cabinet in their STR which is full of the normal consumable supplies (bath soap, dish soap, laundry soap, paper towels, azz wipe, light bulbs). 

Took me forever to realize not every lender is your typical vanilla loan originator wanting to help you get a loan for a place to live in.

We are most concerned with current and recent "consumer debt" issues.

Yet my perspective is that although real estate valuations are increasing, it is at least partially contributed to by the same loss in purchasing power effecting consumers and investors in the grocery aisle.