We encourage Peer-to-Peer Lending (P2PL) and Peer-to-Peer Investing (P2PI).We invite Banks, Financial Institutions as lenders.We enable lender, Investor exchange funds directly with Borrowers.

The Public Policy Institute of California has some great information on population growth and dynamics in California:http://www.ppic.org/main/publication_show.asp?

To those in the residential and commercial industry in regards to the request of whom is responsible for caulking of doorframes and window trim.I am an Accredited & Certified Paint and Coatings Inspector who has been certified by the Master Painters Institute 00223.

But with the disappearance of smaller community banks, as they are rapidly acquired by larger institutions, many industry experts are concerned that credit in local economies will disappear.

I'm a recent transplant from Canada to the US.I remember looking at US properties as a Canadian, and one of the challenges I hit alot was financing; US institutions wanted to see US based W2 income and US credit history (assuming say a pretty straight forward conventional investor mortgage, not a commercial mortgage) that felt like a significant roadblock.One thing to note though is that some of the major Canadian banks (BMO, TD, RBC) have major US operations; and with those, comes the ability to secure financing based on your Canadian source income, and Canadian credit history.This is a phenomenal resource for most Canadians (albeit you're limited often to only one property purchase as part of these programs, and some will restrict it to "vacation/second home" only, no investor/rental).

Hedge fund, REITs and other institutional money are many times buying to hold, and don't have to justify bad single investments to all individual investors.

Not sure if I understood this part correctly (and not having dealt much with US Financial Institutions on mortgages I may be in the dark on this) - are you stating that:(all numbers for sake of illustration):- 2010 I take out a 15 or 30 year fixed mortgage on a property for 100K; 20K down, 80K mortgage (20%)- 2015 property is now worth 200K; principal paydown was 10K on original mortgage - i.e remaining mortgage balance is 70K.

Her credit score was 680-720 as reported by the big 3.So now she has another CC with yet another financial institution & so far they are more in tune with her spending habits & have upped her limit.

Note buyer" for info.No, you will find it very difficult if not impossible for an institutional regulated lender or mortgage wholesale banking operation buying a privately originated note.

I guess one could say I've seen the full gambit of various loan products through the following path – loan origination (borrower), loan sold to institutional investor, product being securitized / packaged and then sold back to the street.I'm very interested in note investing, and acquisition of positive cash flow rental properties via self directed IRA and personal and/or business funds.