Download, print, wet ink sign and submit.

Property price has no strong parallelism to income level.But property price has the strongest parallelism to money supply and demand/supply ratio.These are why people doesn't always get it.Income is slowly rising due to inflation but property price increased exponentially because of money supply and demand.Yes home price can go down 100k if house is gold, where gold is commodity that can be traded publicly.The very reason why property can only go up is because gov. print money and it's not a commodity.

Because of all the money printing by the Fed, and low interest rates, buying a property was very difficult, because there were multiple cash offers on  properties. 

Everything needs to be printed. 

Always read up on the fine print and clearly understand the implications of what you are signing.

That is why I have been a bit surprised as to some of the "lukewarm" responses.That being said, as you eluded to in your post - this experience may be due to the nationwide lack of inventory (and perhaps that the government printed so much money it is everywhere now). 

You just need to read the fine print.  

The only way to cash flow in socal right now and this way prints money.  

What exactly does lendingCLub mean in the fine print by "net of defaults" in their website graph presentation?

Taking applications is not a profit center for my operation, it actually costs money when you get down to the fact that I will make phone calls, print documents, send FAXes, mail a rejection or acceptance letter, etc.