Factor in jobs, economy, consumer confidence, visitors to Las Vegas, $1.9B Raiders stadium, and new casino construction on Vegas strip. 

FHA loans are higher profit, so some places make their LOs shove everyone using any form of down payment assistance into FHA, the idea being that generally these folks aren't sufficiently sophisticated that the consumers will understand the difference.

First, wholesaling is very very hard and time consuming.

For purposes of this section:(1) “Higher-priced mortgage loan” means a closed-end consumer credit transaction secured by the consumer's principal dwelling with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set:(i) By 1.5 or more percentage points for loans secured by a first lien with a principalobligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac;(ii) By 2.5 or more percentage points for loans secured by a first lien with a principalobligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac; or(iii) By 3.5 or more percentage points for loans secured by a subordinate lien.(2) “Average prime offer rate” means an annual percentage rate that is derived from average interest rates, points, and other loan pricing terms currently offered to consumers by a representative sample of creditors for mortgage transactions that have low-risk pricing characteristics.

I have a relatively high paying W2 job that I like so I lean towards an investment path that are on the lower risk and time consuming side.

The down side for subs is they can be very time consuming.

The rise of consumer debt, heck just Student Debt, in the last ten years is absurd.

They usually side with the consumer on issues. 

VRBO double dips on the consumer AND the listing fee. 

Hi there BP,Over the last Almost 2 since losing my job and becoming my own self employed full-time contractor, I've managed to consume myself with bid after bid and one job after another that gotton me nowhere near where I want to be financially.