Supply flattened out majorly while demand rolled merrily onward.Something major would need to happen to dampen demand before you'd see anything profound in the market at-large.

Cash flow and time flexibility but also impact in one's community (making a difference) through housing

Once you have that figured out, you need to understand "loan to value" (LTV) and how that impacts what you are able to buy.

They may not try to deceive anyone or "cook the books" like Enron did and if they did, there is no real public impact. 

Again, my sincerest apologies for to all parties impacted directly or indirectly, anyone who knows me personally can attest that I am passionate about RE and my clients and I too am infuriated at what has come to light!

I’m not sure this would have a direct impact but the referrer probably knows the property manager and may encourage the property manager to be more cooperative.

It's hard for me to try to quantify how much my rate would increase and the general impact without owner occupying. 

However I have recently come across several individuals and companies that do not know where to begin with market research, never even considered the impact of market research, or simply don't have the time.

So, I will concede that the analogy was a poor one (I will delete) but you're kind of missing the overall point, and I disagree that this has no deleterious impact on the seller.  

I am a Financial Analyst and have the skills to manage the finances as well as do forward looking analysis to evaluate the financial impact of the association's decisions.After getting the hang of the book keeping items, collecting fees, blah blah....I began to (per advice received on BP) get comfy with the declarations and by laws and making sure we are compliant with the governing body of documents.That is where I ended up on the phone with the insurance agent.