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

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.

We purchase a healthy amount of properties through them for each time they decide to visit us (which seems to be once a month).

Yes - GENTLY putting cash in the hands of the consumer and its employers would lessen the effect of a fiscal reset which HAD to happen once the Gov't forced Lenders to lend to those who simply could never repay.

Poor people cannot afford or don't have access to healthy food.

Since most property that is wholesaled is vacant and in need of repair, I also work full time so finding the owners is time consuming.

The MLS is too competitive now and need an alternative route to pick up REO's and make a healthy return.

Chicken pox help develop a healthy immune system!!