It's the most susceptible and bottomless aspect of consumer discretionary income.

This negative position can consume years of cash flow to recover.

.•30-Year Fixed Mortgage Rate: 7.10%•15-Year Fixed Mortgage Rate: 7.35%•Fed Funds Rate: 5.25% - 5.50%•10-Year Treasury Yield: 4.45%•Housing Inventory: 632,000 active listings (33% with price reductions)With home affordability still a concern, any shift in rate expectations could have a major impact on both buyer demand and investor financing conditions.What Analysts Expect from This Week’s DataCPI Inflation Report (Tuesday, February 13)The Consumer Price Index (CPI) measures changes in the cost of goods and services, serving as a key indicator of inflation.

As Jay mentioned they must be NMLS licensed if owner occupant of in several states even commercial needs licensing.The NMLS is like the database, each state has a division of banking that oversees lending requirements then you also on the federal level have CFPB as well as consumer protection laws.I want to add that I believe yesterday the CFPB is undergoing changes, but if it goes away that does not mean that many of the laws in place especially consumer protection laws would go away. 

.- Working a W2 as a firefighter, posting and consuming content- Leaving my W2 to dive deep into real estate investing and working as an agent... and still watching/posting content all while business was ok - Deleting social media apps (one have one on my phone that I use 10 minutes or less a day), diving deep into building my business and skills which have drastically increased due to pure focus and increasing my business significantly- moral of the story... focus on the things you need to do in business (dollar productive activities) and life experiences while reducing consumption will increase your success  

And FHFA is currently drafting a recommended approach to the termination of the conservatorship, for Treasury review, which they began before this Administration took power.A return to independence for Fannie and Freddie could promote a healthier mortgage market and lower costs for consumers.

I will NOT deal with a homeowner or consumer; the deal must be investor to investor.

CPAs and EAs are more likely to gain experience and further study because consumers are more likely to go to them with complicated or specialized returns. 

Insurance companies and car dealerships and plenty of other consumer businesses close by.

Plus managing tenants is a bit more time consuming with this model.