I am looking for someone for auto/home/life. 

It is more important to me to be building those building blocks than getting the once in a life time deal. 

It's terrific that you are getting plugged into real estate early in life.

The guy was a veteran, served in Iraq and got hurt, spent a year in hospital, and is now on military disability pension for the rest of his life.

I got his whole life story etc .  

But I finally found a community of folks from all states, all ages, all religions, all sexes (all 5)...Who share the same passion!

I can't find a contractor to show up to save my life.

If the goal is risk mitigation, and your exposure isn't huge (maybe you have a property or two and are just starting out in life), some investors will go the insurance route and choose a large umbrella policy over forming one or more LLCs.

Imagine if 20-30% of the buying transactions disappeared, and that's a good picture of what life would be like in a stricter system in those countries that you mentioned.These subsidized loans happens largely because US social policy is mostly non-existent towards public housing or rent subsidies when compared to those other home-owning countries.

My family all has a background in real estate so it was something I have been around all of my life.