Obviously areas of appreciation can't be entirely predicted...

( 2000 prediction ) is that electric for common areas, exterior lighting and laundry plus gas for laundry ?

Just remember those same trends couldn't predict a Michigan , Nevada, or Florida.Sometimes it's better to look at other figures to predict the ups and downs.We each have our areas, I know what I'm doing is working well.

@Hannah Price While it's admirable that you want to help someone out of a bad situation, my prediction is that it does nothing for making connections.

The Vantage models and their variants have six elements and are actually more predictive of a potential default than FICo.Any time you apply for credit, whether you are accepted or not, you rarely get to find out which model and/or model variant was used to make the accept/deny determination unless you ask for a copy of the report the lender pulled.Hope this helps ...

I'm not sure what you mean by flash factor, but I hope it's not related to the flash crash in the stock market.As far as up and coming neighborhoods, accurately predicting that is similar to actively predicting stocks that will go up...

> Research has indicated that FICO Scores are more predictive when they treat loans that commonly involve rate-shopping, such as mortgage, auto and student loans, in a different way.

My closing costs predictions were close overall, but I found that my insurance prediction was off significantly as was my home inspection cost.

I spoke to a fellow investor friend of mine earlier today and while he is somewhat of a "doomsday prepper" he had also predicted the real estate market crash back in 2005. 

IMF/World bank still predicts that Indonesian Economy will still continue to grow at about 5,2% for this year 2015.