I'm saying this as a caution to those who think subprime caused everything - in reality, subprime was the catalyst (ie, COVID today) and as the equity disappeared, people defaulted in droves, as soon as it became Socially Acceptable to do so.COVID essentially just gave everyone a free pass to default, and not be embarrassed. 4th qtr 2021 is the concensus, among those I still talk to regularly in the Default Servicing space(I used to own a mortgage lender/servicer company, back in2007, got out with my skin but barely.

There are a few other utah regulars that I've seen posing here.

I do not have an official waiting list but I do get asked about any upcoming vacancies from current or past tenants on a regular basis.

I regularly see appraisers select properties that push value down.

A regular 30 yr fixed loan would not finance a house needing foundation repairs....just FYI.

While I won’t be able to have these funds deposited into my regular checking account until I reach retirement age, I do have more control of the funds, and I get to continue my education and experience in various real estate opportunities I wouldn’t have access to without this strategy.

Developing a mixed-use project consisting of storage, hotel, QSR, and car wash...looking for any recommendations on retaining an independent underwriter with experience with development projects with multiple components. 

He also received a very fair rent and his properties were always show ready with us taking such great care of them and them being cleaned and touched up regularly.

@Richard F. thanks for your insights and sounds totally reasonable to treat late fees as regular "rental income".

 If you sign up for the Meetup group or check BiggerPockets Events & Happenings pages regularly, we post there & meet monthly in person.