I will say that there are MANY great Goosehead agents out there but the overall setup is not good for the consumer and it's hard finding who's serious vs. who simply had cash for the franchise fee.Just my 2 cents and opinion.  

When consumers are sick and tired of being sick and tired of shrinkflation and quit buying certain products then the prices will drop or sizes will come back.

At that rent point, maintenance, cap expense, and tenant turn over will consume a lot of the rent resulting in low cash flow per unit.  

The rate of interest on policy loans for large and reputable mutual companies is always going to be competitive relative to commercial or consumer lending.

For an uneducated consumer or depending how strong their sales team is this is a very raw deal.

For consumer debt I agree.

1. pass legislation limiting what the "free market" demands2. suffer the consequences of the elimination of the "supply" demanded by consumers in the free market3. suffer the consequences of the "law of unintended consequences"4. blame "capitalism" for failure to provide what was eliminated by previous regulatory action5. pass more legislation to counter balance effects of previous legislation 

And if they have to get a new loan that can be time consuming and Boom.. the original seller gets their credit trashed waiting for the loan to get paid off ..

The negative value with respect to the cost of building is such that it can consume years of cash flow to recover.  1) The value added by the ADU addition is often significantly less than the cost of adding the ADU.

The process is much more choppy and confusing that what I offer my clients with a consumer loan, but we are CTC and had very few conditions to chase down.