.- I guess you'd guys start educating among yourself how to make young people in this country going to unversity again, with good and cheap price LOL Comparing our Gini ratio to another country isn't relevant here.

So costs will remain fixed over the relevant period.

Some relevant links.1/4 of renters say they'll never buy:http://www.biggerpockets.com/links/6215what happens to household formation in a recession:http://www.biggerpockets.com/links/3179

Todd,I've never dealt with your situation but I recently listened to "BP Podcast 028: Note Investing and Raising Private Money with Dave Van Horn" and he discusses how he deals with the nonpeforming 2nd lien notes he buys.Dave talks about how he engages with the borrower and suggests different alternatives to them (such as selling the note to a family member of the borrower).I think engaging the borrower to find more about their situation and discussing options with them is a great first step.At any rate, I really recommend you listen to the podcast, I think it's really relevant to your situation.

If anyone has a nationwide lender that goes up to ten/and/or knows the relevance between commercial and gov't backed - could you please share?

The extremes of possible results and sheer size of the population defy relevant meaning in statistical averages.

Realize that people, products and processes are vital: Treat employees well and they will want to work; understand the product being sold and make sure it is relevant; have a smooth process to execute those two things.2.

I've already checked out the podcasts that I've found relevant for my type of investing.

I'm not sure of hte relevance of the "would you live htere" question.

I know there is quite a bit out there on HELOC's (so a link to some relevant posts would be greatly appreciated).