It’s a great traffic driver for them, and it’s a great lead generator for me.

NJ is a very tough place to loan money from the lender side of things.. foreclosure time lines are for ever.so I don't think your being realistic on what you expect.. but I know Patch of land has done a ton of NJ loans. you can go direct.you need more than 20% cash into the deal.. in most instances in a state that is so tough to work in.credit while important is not the main driver in HML.  

Any improvements can also be mentioned but are not the total driver behind your increased costs. 

I get a drivers license from people renting my VRBO.Have you tried to talk to them on the phone?

Love is the most powerful driver for powerful and positive forward movement while fear keeps us small.

You need at least 3-4 strong economic drivers as well.

@Brian Corbett I know very little about Greenville but if it has any compelling growth drivers such as big employers moving in or a burgeoning tourist area, I would definitely be interested in hearing more.

All the real estate trends I have been reading about the past couple months discuss low inventory for affordable housing as one of the primary drivers that is slowing the national markets down.

I do have to say that initially the system only wanted a driver name and phone number.

The primary driver is what your individual facts and circumstances look like.