With that said, who can predict whether or not the Fed will lower interest rates next year to stimulate the economy?

Statistically speaking, it sounds like you have identified characteristics in people that are predictive of rent payment performance.

A great idea when you can and should you fall on hard times you could stop the extra towards principal and be cash positive.The Phoenix, AZ metro market is still doing well and the experts predict that to continue.

Is this reliable and predictable and efficient?

Should help you avoid some predictable issues... like being upside down on the deal when it's ready for sale.

Its not really a problem from the title company's point of view, its a prediction that isn't always accurate.

There are simply too many variables when working with people and business to predict what will happen.Having a Business Mind SetInstead, you are in control of your actions.

No one can predict where the market will be in a year, in a month or even tomorrow.

I don't have a crystal ball nor do I pretend to predict the market.

I predict big things for that valley in the next 20 years.