I just can't consume them fast enough!

It would be bad a idea to buy a water heater right now as you will likely have to change it in 4 years.Also in regards to resale being a realtor I have yet to see the value of a house affected by water heaters being rented, but furnace rentals are like grow ops, the average consumer will turn the property away regardless of condition and value just to avoid the cost of buying one.

My "daytime" job is as a small balance lender ($50k and down) to sub prime businesses and consumers.

Much like a horse and a mule, IMO, it's more to the intent in creating a financing arrangement of a consumer transaction.

After education myself i will be consumer debt free in mid 2016 after 5 years of hardcore repayment.

Fueled by easy-lending standards for investors, speculators helped drive up housing prices in certain markets.Historically low interest rates that ensured housing prices would rise more quickly than income levels as consumer dollars stretched further.The failure of rating agencies to actually research and rate the safety of mortgage securities, and their unwillingness to act once the problem was apparent.The Federal Reserve’s unwillingness to stop lending that could jeopardize the economy (even though they had the right to do so).Rampant cash-out re-financing that made homes “ATMs” for consumers who wished to purchase what they could not afford.Fiscal policy built on the assumption of never-ending home appreciation, and the dependency of jobs and consumer spending on never-ending home appreciation.A derivatives market which multiplied the amount of money at risk beyond the value of the underlying assets.

In addition, subject to the Consumer Credit Code, I may exercise my other rights under this contract, and any right available to me under law.10.

Anyways, back to the subject on hand, riding REOs and HUD foreclosures can be VERY time consuming with little results.

It appears that me asking my agent to find out info from the listing agent and then getting back to me is just too time consuming.  

The first is from the Consumer Protection Protection Bureau (CFPB) and is rather complete.