I want to point out that there is most definitely an element of economy of scale here - most profitable lenders need a team of people with specific skills to lend efficiently and profitably.

@Joseph DaviniI agreeBut I wonder where all the “housing shortage” folks and “interest rates coming down prices will double” people are?

People have different ways to make things work. 

Welcome to BP Deshay, These forums are a great place to learn and meet people, whether you're just starting out or you're a seasoned investor.

They left me a picture of some names and numbers of people I should talk to. 

I personally hear from tons of people who think the market will come down, due to the struggling middle class and the fact that it will get worse.

However, older instances are to be considered more holistically, suggesting a more lenient approach to past financial or rental difficulties as time passes.Exemptions and Protections:Certain properties, particularly older houses that cannot easily be brought into compliance with current codes, are exempt from some source-of-income rules, acknowledging practical limitations in applying these rules universally.Landlord Liability:The ordinance provides protections for landlords in terms of reliance on third-party information to reject a tenant, mitigating potential legal risks associated with tenant selection processes.Fair Housing and Legal Compliance:All considerations of prospective tenants' applications must align with fair housing laws and other state and federal legislation, reinforcing the ordinance's compliance with broader legal standards for housing discrimination.

There shouldn't be a shortage of people who have money and need a place to live. 

Hello people, I have been to smoky mountain area about 4 times now.

Looking to connect with people who understand vacation rentals on Lake Norman.